CN101454795A - Mobile person-to-person payment system - Google Patents

Abstract

A virtual pooled account is used in operating a system having multiple financial partners. In a specific implementation, the system is a mobile banking system. Instead of maintaining separate general ledgers for each financial institution, the system will keep one general virtual pooled account. This will reduce the settlement and operational costs of the system. The owner of the virtual pooled account will receive the float on the virtual pooled account, and this float will be distributed to the multiple financial partners according to a formula.

Description

The person-to-person payment system that moves

[01] part of the instructions of this patent documentation comprises material protected by copyright.The copyright owner does not oppose that anyone xeroxs patent documentation or patent specification, because it appears in the patent document or record of United States Patent and Trademark Office, but what his aspect in office keeps all copyrights.

Cross reference to related application

[02] present patent application requires the U.S. Patent application 60/744 submitted on March 30th, 2006,013, the U.S. Patent application of submitting on April 15th, 2,006 60/744, the U.S. Patent application 60/870 that on Dec 18th, 930 and 2006 submitted, 484 right of priority is quoted in conjunction with in this application by the every other list of references of quoting in the application.

Background of invention

[03] embodiments of the invention relate generally to the electronic money funds transfer system, specifically, relate to basically operation in real time, and can be between the individual and carry out the money-transfer system of money transfer between individual and the businessman.The embodiment of payment system of the present invention is particularly suitable for such implementation, and wherein, the wireless device such as cell phone is to be used to one of consumer's interface that carries out such money transfer.

[04] from history, wish to carry out financial transaction-for example, buy commodity-the people all be the various financial instruments that rely on such as currency, check, credit or debit card.Regrettably, all there is safety issue in each in these financial instruments.When cash is lost or is stolen, there is not remedial measure usually, have the acceptance loss only.For other financial instruments, loss is not a subject matter, and still, swindle can cause paying the heavy losses of industry.Really, credit card, debit card and check fraud be always and be the bigger problem of the sector with continuing, and is a big test for the rate of return of payment industry.

[05] a check fraud common reason like this is owing to need show check to paying party bank of deposit physically.So, when check is accepted, can not guarantee that check has fund in financial transaction, or be sometimes referred to as " good fund ".On the contrary, check is a piece of paper, must be used for the signature of authority to pay together with employed account, and available balance is verified the legitimacy of the bank of drawing this check together.For credit or debit card, the user may not be authorized to, but can collect sizable expense before the stopped account in publisher.

[06] apparent, required is such payment system, and what the take over party of the fund in the financial transaction can verify like a cork that they receive is good fund.Further, required is that safer visit credit card and debit card are to carry out the mode of financial transaction.

[07] although each financial instrument of listing above is widely used in the past, obviously, the method for financial transaction is reached in a kind of simple, safe being used to of consumer wants.The generally use of credit card provides ample evidence to prove, for little shopping, consumer and businessman more are ready to use electronic payment system, rather than handle a large amount of cashes or open the negotiation check, like this can be very inconvenient.Yet the cost of credit card trade makes their use for the surprising costliness of little transaction.Even, obviously, strong demand is arranged for the faster more cheap electronic payment system more easily that is used to finish financial transaction along with the adopting of electronic payment system very popularly.Further, for the electronic payment system of individuation more demand is arranged also, so that carry out financial transaction like a cork in the mode that is similar to money transaction.

[08] although the use of credit card is more and more universal,, still have huge colony mainly to depend on money transaction, this colony still needs easily and economical electronic payment system sends payment and receive payment.This can cause the generally use of the debit card of advance deposit.Regrettably, debit card only is limited the substituting of money transaction at most, because they mainly are designed to use in the businessman that has bought point of sale (POS) transaction terminal there.If the individual wishes to someone (for example, another people) account transfer and do not have the POS terminal, if not the cooperation businessman that goes to time bank troublesomely or have the POS terminal of having to, such transaction is difficult, or impossible.Required is can reach financial transaction and the electronic payment system that need not directly to relate to the financial institution of third party financial institution or outside between the individual.

[09] though many people can not visit the POS terminal,, most of people can visit portable radio communication device, for example, cell phone or other mobile devices.

[10] handle mobile telephone equipment and other portable sets of communicating by letter by voice, Email, SMS text message, instant message and the Internet explosive growth has been arranged.People usually remember to carry their Mobile or cellular telephone, even they leave behind their wallet or automobile key.Mobile phone is omnipresent in the U.S. and global many countries.In 2005, according to estimates, 21.4 hundred million mobile phone users are arranged.About 80% of the population in the world has mobile phone and covers.Therefore, for allowing mobile phone to send payment and checking is received, just as cash, and the demands that allow to carry out the system that other finance and mobile banking conclude the business are huge.

[11] trial of using honeycomb equipment to create mobile-payment system has partly obtained limited success, because many such system requirements, mobile phone must have the extension wire equipment (or " chip ") that is used to store account balance and account information.When the people who holds phone wished allotted fund, fund was deducted from chip in the point of sale, and transferred into financial institution after a while, and carried out record by financial institution.Obviously, this hysteresis between the time that the time of selling and record are sold is inefficient, just in case before writing down sales data the POS equipment malfunction of businessman, the risk that just exists sales data to lose.In addition, if phone is lost, account balance may be held anyone use of this phone.Although this system can prevent fund preferably and lose and be better than carrying cash,, this system also lacks suitable security and is illegally used by other people with the fund that prevents the account holder.

[12] also there is critical limitations in credit card.Credit card shows that also the possessor has been given certain credit line by bank or other publishers, and it allows the possessor to do shopping in predetermined amount of money scope or extracts cash.Clause based on credit card protocols is collected interest, also collects annual fee to the possessor sometimes.Traditionally, provide a plastic clip that has account number to the possessor.

[13] the credit card trade utilization is come transaction is settled accounts by the proprietary network that businessman checks.Because the proprietary feature of payment system, and credit card trade is subject to swindle, and such system cost is very high.In addition, also participate in many ways in the credit card trade because of having, such system usually is called as " open loop " financial sector.

[14] Figure 34 [prior art] has shown a kind of example of proprietary network, comprises point of sale (POS) terminal 3401, be used for starting transaction in the position of businessman, and the process payment 3402 that is connected with POS terminal 3401 by proprietary network 3403.In some cases, proprietary network only with being connected of the Internet.Process payment 3402 is connected to credit card switching centre 3408 by proprietary network 3404 again.

[15] for starting transaction, the consumer will show credit card 3406 in the POS end, and perhaps the RFID key chain 3407.The RFID key chain is a kind of security token: the small hardware equipment that has embedded memory mechanism.Credit card 3406 and key chain 3407 boths comprise coded message, and the POS terminal detects this information, and is forwarded to transaction processor 3402 by proprietary network 3403.Regrettably, credit card and key chain all can not be worked under the situation of not visiting the POS terminal.

[16] transaction processor 3402 is submitted transaction by private network 3404 to credit card switching centre (communicate processing, clearance with managerial credit card transaction, and the network of the financial entity of clearing).Credit card switching centre is routed to transaction user's credit card issue person 3409 theres.Publisher discerns the consumer based on detected account number, and determines available credit line before approval or refusal transaction.If ratified transaction, then the amount of money is forwarded to the bank processor 3405 of businessman by credit card switching centre, the amount of money is added to the house account that the bank of businessman safeguards.

[17] because the information of transaction is in proprietary transmission over networks, businessman is the privilege and the high monthly service fee of these proprietary network payments of visit of receiving credit card.Businessman also further is appreciable each tranaction costs of transaction payment each time.For example, be to handle the simple transaction of buying the water of an one $1.00 at convenience store, businessman produces 3% of the each tranaction costs of produce $0.25 and dealing money possibly, though if businessman produces a large amount of refusing payment, it is common paying higher expense.After their managerial cost of payment, each tranaction costs can be the appreciable parts of overall expenses, in some cases, and can be greater than the rate of profit of particular commodity.Regrettably, for many small merchant, the summation of the expense of monthly service fee and each transaction may surpass the gross profit that the credit card of their this month is sold.For bigger businessman, tranaction costs hinder degree less for rate of return, but their rate of profit is still a unwelcome erosion.

[18] not only credit card is " expensive " expense items for most of businessmans, and they also often suffer serious swindle and abuse.For example,, then can in the POS terminal, be used, even they are not the possessors by anyone if credit card is stolen.For preventing such use, whether many POS terminals comprise that now the requirement consumer imports the postcode that sends the credit card bill, be the possessor to identify the consumer.Regrettably, postinfo can obtain on the Internet like a cork, and so, can the not be done extraneous information request of transaction of bold thief is frightened.Yet, must import such redundant information and also can make the possessor feel trouble.

[19] last, the open loop access also not exclusively be suitable for those wherein a side be not the person-to-person transaction of businessman.For example, if two students wish to share the expense of a pair of film ticket, a student wishes in the electronics mode to another student's transfer funds.In system,, stop and using even if having only tranaction costs can make that also transaction is very expensive based on credit card.In addition, the student agree to pay monthly fee and with the other fees of the account association of businessman so that visit credit card switching centre also is unlikely.Correspondingly, the open cycle system of being disposed and being operated by the credit card issue person also is suitable for person-to-person financial transaction hardly fully.

[20] therefore, required is economical electronic payment system, makes the account holder can utilize the fund that is equivalent to cash to carry out their financial transaction at any time Anywhere neatly.In addition, also need a kind of " mobile wallet ", people can be used as can be from the cash source visit of the visit of the mobile device such as cell phone.In addition, also need a kind of being used for to carry out the software application of mobile payment and managed service for the consumer, their conducts, for example, the mobile wallet on the mobile phone platform is operated.This moves wallet should be safe, wieldy, and is easy to obtain, so that it is all available to any account holder to carry out the function of mobile payment.In addition, also need a kind of open loop financial transaction system that is easy to pay, the not a large amount of charge related with the open loop financial sector of this financial transaction system for the possessor who participates in financial transaction, businessman and other, has the security of height.Correspondingly, the following example of the present invention and exemplary description are disclosed.

Summary of the invention

[21] the present invention is easy to use by providing, addressable like a cork electronic payment system, basically overcome the foregoing limitation of prior art, this system is for reciprocity partner's transaction and the transaction between businessman and the client, allow to exchange easily good fund, in some embodiment at least, need not architecture and cost such as the system of commercial bank related with conventional credit card and debit card.In many examples, this electronic payment system can be conducted interviews by the wireless device such as mobile phone by the user, also verify whether receive basically in real time so that can carry out funds transfer, and can provide suitable security simultaneously, guarantee that fraudulent transaction is reduced to minimum level.

[22] mobile payment platform and the service according to some embodiment of the present invention provides the user by mobile device to pay the also mode of validation of payment quickly and easily.This platform also with such as Email, instant message, and the non-moving channel of Web and so on and equipment connect.In one implementation, from the mobile device visit fund of the account holder such as mobile phone or personal digital assistant, to pay or to receive payment.Financial transaction can be between the individual (P2P), and (P2M) carries out between individual and the businessman, and wherein, each side is by the unique designator such as telephone number, bar code, or any other suitable sign identifies.Can come effect to conclude the business by the means of any amount, comprise SMS message, Web, Email, instant message, mobile client application program, instant message plug-in applications or " widget ".In certain embodiments, the mobile client application program that resides on the mobile device has been simplified visit, and carries out financial transaction in mode fast and safely.

[23] person-to-person payment system that the invention provides mobile-payment system (MPS) or move is used for carrying out quickly and easily money transfer.By mobile-payment system and the access means such as their mobile phone, the user can pay, the request payment, whether checking receives fund, for service is paid, for bill is paid, for film ticket is paid, for paying in the grocery store, for nurse pays, for coffee and newspaper are paid, friend is given in reimbursemen at once, for the dinner bill is paid separately, to child's remittance, obtain remittance there from father and mother, obtain fast or urgent cash, send urgent cash, for close friend gambling is paid off or is charged, for dreamlike football (fantasy football) recreation is paid, for the garden service is paid, for membership dues are paid, follow the tracks of shopping, check remaining sum, or the like.In addition, in some embodiment at least, each transaction in these transaction is all carried out basically in real time, and good fund can be used the payee immediately.

[24] in one embodiment, the present invention allows atm network is conducted interviews, and for example, the NYCE network is conducted interviews, to conclude the business.

[25] the invention solves the many foregoing limitation of the financial instrument of prior art, comprise following: cash can be stolen, and money transaction is not traceable.Need to encourage cash to leave in the bank, rather than in consumer's the pocket.Need cheaply or the small-sized storer of depositing cash.Need the E-Payment of lower cost.Need to pay by mails everyone, Anywhere, any time almost available in real time.Need to pay by mails produce at once or be close to spendable at once money-form (such as, for example, attached advance deposit debit card, or) by being connected to user's the current deposit account in bank (DDA).Needing to pay by mails to be had consumer's visit bank account and unbanked.Need to pay by mails to be linked to existing financial instrument, as card, the pay sheet of credit card, debit card, advance deposit, and other.Need and in existing financial instrument, to load in real time and therefrom unloading in real time or almost.Need to pay by mails and can use on cross-bank ground.Need to pay by mails and can conduct interviews by mobile device.Needing to pay by mails can be by the consumer's media device such as PC, POS payment terminal, TV cable box, DVR, satellite box, and other equipment of reaching conduct interviews.Need to pay by mails and can conduct interviews by the people's machine equipment such as automatic vending machine, parking meter, retail kiosk and other equipment.Needing to pay by mails electric network and other network ground that can stride such as mobile operator, wired operator, satellite operator uses.

[26] some advantages of MPS of the present invention are following: MPS pays by mails, encourages cash to stay bank's (rather than in pocket of consumer).It is safe that MPS pays by mails, and is traceable.MPS pays by mails and almost carries out in real time.MPS pays by mails can be by anyone, conduct interviews with any position at any time.MPS can provide optional or optional attached advance deposit debit card (for example, MasterCard, Visa, or other), be used to carry out the visit of instant fund.MPS pays (P2M) transaction that can be used between person-to-person (P2P) and individual and the businessman by mails.The MPS fund is stored in the distributed merging account of cooperative bank.Having managed " T " record of MPS consumer's fund in MPS payment record system, produced very low-cost P2P and P2M account transfer, is feasible so that money of small denominations is transferred economically.MPS promote existing financial instrument (for example, credit card, debit card, other) manually or the robotization value-added tax function.MPS promote existing financial instrument (for example, credit card, debit card, other) manually or the robotization offloading functions.MPS can optimize load or unload and handle (that is, when possibility, carrying out load or unload in bank).MPS helps cross-bank ground to pay by mails.MPS helps cross operator or across a network ground to pay by mails.MPS helps striding equipment or strides channel ground (that is, mobile phone, Email, Web, instant message) and pay by mails.The MPS fund is an electronics, protected by PIN, and is " living " in bank.

[27] in one embodiment, the making of wireless device that be based in part on such as mobile phone or PDA of closed loop financial transaction system of the present invention is used for paying or receiving payment.Financial transaction can be carried out between the individual, and wherein, each side is identified by the unique designator such as telephone number, e-mail address, instant message identifier or bar code, or carries out between consumer and businessman.

[28] in one embodiment, the present invention is the financial transaction system that comprises the consumer interface that is connected to network, comprising: handle the Web interface from the transaction request of Web browser client; Processing is from the mobile Internet browser interface of the transaction request of the mobile Internet browser on the mobile phone client; Use the SMS text message to handle the SMS interface of transaction request; And, the mobile client Application Program Interface of the request of the mobile client application program of carrying out on the next comfortable mobile phone client of processing.

[29] in one embodiment, the consumer interface can comprise the interactive voice response interface of processing from the request of telephone audio channel.An embodiment of system can comprise the user's of new registration combined account, and wherein, after registration, the user of new registration can conclude the business with registered user immediately.The mobile client Application Program Interface can, in some embodiment at least, allow " remittance " transaction, " request fund " transaction, " loading the account " transaction, " unloading account " transaction, and " inquiry into balance " concludes the business.The consumer interface can further include the instant message interface of processing from the request of instant message client.

[30] this system embodiment can comprise: financial cooperation partner interface; The businessman interface, wherein, the user can be stored in by financial cooperation partner interface by consumer interface visit and be connected to fund in the bank of system, and to the businessman's account transfer that is connected to the businessman interface.An embodiment of this system can comprise the register system that is managed by financial transaction system, the transaction that record is carried out by the consumer interface.In certain embodiments, this system can comprise the combined account (pooled account) that is managed by financial transaction system, and wherein, a plurality of clients of visiting this system by the consumer interface have the account in combined account.Many clients can not have the account in combined account, but have the account in the financial institution that can visit this system.

[31] in one embodiment, the present invention is the method that comprises the following steps: the Application Program Interface of concluding the business with the first financial cooperation partner is provided; The SMS message interface that receives the request of concluding the business is provided; And, be provided for receiving the mobile client Application Program Interface of the request of concluding the business, wherein, by SMS message interface or mobile client interface, client can ask to transfer accounts to second account who is positioned at the second financial cooperation partner from first account who is positioned at the first financial cooperation partner.

[32] this method can further include the mobile client Application Program Interface that is provided for receiving the request of concluding the business, wherein, by SMS message interface or mobile client interface, client can ask to remit money to second account who is positioned at the second financial cooperation partner from first account who is positioned at the first financial cooperation partner.This method can comprise the register system that is provided for writing down by the transaction of SMS message and the request of mobile client interface.

[33] in one embodiment, the present invention is the method that comprises the following steps: show first screen on the display of mobile phone, to show a plurality of options, comprise to first option of the opposing party's payment and second option of request balance amount information; When the user selects first option, show second screen, send destination phone numbers or other signs of payment for user's input to it; After the user imports destination phone numbers, show the 3rd screen, import dealing money for the user; After the user imports telephone number, show the 4th screen, import the PIN code for the user; And, after the user imports the PIN code, send Transaction Information to server with wireless mode, comprise destination phone numbers, dealing money, and the PIN code, so that handle.

[34] this method can comprise the following steps, after the user imports destination phone numbers, shows the 5th screen, imports optional message for the user.This method can comprise: when the user has selected second option, send the request of the information that queries the balance to server with wireless mode; Receive balance amount information from server; And, in the 5th screen, show balance amount information.This method can comprise that wherein, first screen further provides the 3rd option of requesting for payment from the opposing party.This method can comprise that second screen has the 3rd option, when the user has selected this option, provides the right to use of address book to the user, and from this address book, the user can select clauses and subclauses as destination phone numbers.Transaction Information can comprise the sequence number that is generated by mobile phone, is used for transaction is identified.In one implementation, user's electronic funds safeguards in server, rather than on mobile phone, safeguard.

[35] in one implementation, this method comprises: when receiving the request of claim for payment in mobile phone, show the 5th screen, can import the tip amount of money for the user.

[36] by the following detailed description of carrying out with reference to the accompanying drawings, other purposes of the present invention, feature, and advantage will become more apparent, in the accompanying drawings, similarly Reference numeral is represented identical functions in whole figure, wherein:

Description of drawings

[37] Fig. 1 has shown the block scheme of system of the present invention.

[38] Fig. 2 has shown the software architecture of specific embodiment of the present invention.

[39] Fig. 3 has shown the environment that is used to realize embodiments of the invention.

[40] Fig. 4 has shown embodiments of the invention, wherein, provides value-added service with payment services.

[41] Fig. 5 has shown the system topological of paying between the individual who moves.

[42] Fig. 6 has shown the person-to-person payment in cooperative bank.

[43] Fig. 7 has shown the person-to-person payment of cross-bank.

[44] Fig. 8 has shown that the account of link loads.

[45] Fig. 9 has shown account's unloading of link.

[46] Figure 10 has shown payment system and the person-to-person payment according to technology of the present invention.

[47] Figure 11 has shown and is used for carrying out transaction method between member who has card and unregistered user.

[48] Figure 12 has shown and is used for carrying out transaction method between member who does not have card and unregistered user.

[49] Figure 13 has shown that not having card member and another at one does not have between the card member and carry out transaction method.

[50] Figure 14 has shown that being used for having card member and another to have at one carries out transaction method between the card member.

[51] Figure 15 has shown that having card member and a nothing to block between the member at one carries out transaction method.

[52] Figure 16 has shown that not having card member and one at one has and carry out transaction method between the card member.

[53] Figure 17 has shown unregistered user has been carried out process registration.

[54] Figure 18 has shown the method that activates card.

[55] Figure 19 has shown complete system's figure of specific embodiment of the present invention.

[56] Figure 20 has shown two person-to-person payments between the individual card account.

[57] Figure 21 has shown the person-to-person payment between card account and the non-member account.

[58] Figure 22 has shown the card account and has not had person-to-person payment between the card account.

[59] Figure 23 has shown does not have the card account to the person-to-person payment of not having between the card account.

[60] Figure 24 has shown the credit card loading.

[61] Figure 25 has shown complete system's figure of another specific embodiment of the present invention.

[62] Figure 26 has shown does not have the card account and does not have person-to-person payment between the card account.

[63] Figure 27 has shown the person-to-person payment of not having between card account and the Ka account.

[64] Figure 28 has shown person-to-person payment, with " virus-type " transaction of non-member.

[65] Figure 29 has shown the stimulation fund.

[66] Figure 30 has shown the credit card loading.

[67] Figure 31 has shown the ACH loading.

[68] Figure 32 has shown the ACH unloading.

[69] Figure 33 has shown the ATM loading.

[70] Figure 34 has shown the prior art environment that is used for using " sealing " exchange network realization credit card trade.

[71] Figure 35 has shown closed loop payment transaction system according to an embodiment of the invention.

[72] Figure 36 has shown the environment of the closed loop financial transaction system that is used for the lower and improved safety of realization expense according to an embodiment of the invention.

[73] Figure 37 is the block scheme of closed loop financial sector according to an embodiment of the invention.

[74] Figure 38 is the block scheme of mobile client application program (MCA) according to an embodiment of the invention.

[75] Figure 39 has shown closed loop payment transaction system according to an embodiment of the invention.

[76] Figure 40 has shown the exemplary fee structure of closed loop financial sector according to an embodiment of the invention.

[77] Figure 41 has shown that the loading in support of the present invention member's the payment system implementation trusts operation.

[78] Figure 42 has shown the consumer's registration process in the payment system of supporting the member.

[79] Figure 43 has shown loading and the unloading operation in the payment system of supporting the member.

[80] Figure 44 has shown the purchase transaction in the payment system of supporting the member.

[81] Figure 45 has shown the system that uses virtual combined account.

[82] Figure 46 has shown according to an embodiment of the invention shopping function fast.

[83] Figure 47 has shown another quick shopping function according to an embodiment of the invention.

[84] Figure 48 is the illustration of the system level of the financial transaction carried out by at least one SMS message mechanism according to an embodiment of the invention.

[85] Figure 49 has shown the method for the financial transaction that is used to protect SMS-Based according to an embodiment of the invention.

[86] Figure 50 has shown the purposes of safe SMS aggregation server according to an embodiment of the invention.

[87] Figure 51 has shown new account possessor's registration process according to an embodiment of the invention.

[88] Figure 52 has shown the fraud detection system of layering according to an embodiment of the invention.

[89] Figure 53 has shown combined account structure according to an embodiment of the invention.

[90] Figure 54,55 and 56 have shown the method that is used to according to an embodiment of the invention to prevent to swindle with multiple repeat business request.

[91] Figure 57 has shown the example of sequence number checking.

[92] Figure 58 has shown another example of sequence number checking.

[93] Figure 59 has shown the wire protocol that has of the form that specifies in the serializing data of transmitting between equipment and the data center according to an embodiment of the invention.

[94] Figure 60 has shown the calling of success of Service Phone according to an embodiment of the invention.

[95] Figure 61 has shown according to an embodiment of the invention the response to Service Phone, wherein, and owing to Service Phone generates unusually.

[96] Figure 62 has shown the calling of success of another Service Phone according to an embodiment of the invention.

[97] Figure 63 has shown the high-level OMAP design level of mobile device according to an embodiment of the invention.

[98] Figure 64 has shown the constitutional diagram of OMAP communication design according to an embodiment of the invention.

[99] Figure 65 has shown the constitutional diagram of the lasting design of OMAP according to an embodiment of the invention, and has shown the constitutional diagram of OMAP user notification design according to an embodiment of the invention.

[100] Figure 66 has shown OMAP screen palette according to an embodiment of the invention.

[101] Figure 67 has shown the constitutional diagram of OMAP screen conversion according to an embodiment of the invention.

[102] Figure 68 has shown the layout of OMAP master menu according to an embodiment of the invention.

[103] Figure 69 has shown according to an embodiment of the invention the OMAP payment screen flow from the source angle.

[104] Figure 70 has shown according to an embodiment of the invention the OMAP payment screen flow from angle on target.

[105] Figure 71 has shown according to an embodiment of the invention from the source-the OMAP request payment screen flow of request angle.

[106] Figure 72 has shown according to an embodiment of the invention from target-the accept OMAP request payment screen flow of angle.

[107] Figure 73 has shown according to an embodiment of the invention the wherein OMAP request payment screen flow of target refusal request.

[108] Figure 74 has shown according to an embodiment of the invention the OMAP request payment screen flow that source and target both wherein accepts request.

[109] Figure 75 has shown according to an embodiment of the invention the OMAP request payment screen flow that source and target both wherein refuses to ask.

[110] Figure 76 has shown OMAP remaining sum screen flow according to an embodiment of the invention.

[111] Figure 77 has shown the historical screen flow of OMAP according to an embodiment of the invention.

[112] Figure 78 has shown that the OMAP in the source position is provided with screen flow according to an embodiment of the invention.

[113] Figure 79 has shown the screen flow of the OMAP of unknown mobile ID according to an embodiment of the invention.

[114] Figure 80 has shown according to an embodiment of the invention the wherein OMAP system exception screen flow of request failure.

[115] Figure 81 to 86 has shown the user's screen and the flow process of the mobile telephone application that is used to carry out person-to-person payment.

[116] Figure 87 and 88 has shown the architecture that is used to provide the offline electronic payment system according to an embodiment of the invention.

[117] Figure 89 is used for carrying out on mobile device in real time and the block scheme of the assembly of the mobile device of two kinds of financial transactions of off-line according to an embodiment of the invention.

[118] Figure 90 has shown the J2ME base of applications framework of MCA according to an embodiment of the invention.

[119] Figure 91 has shown application program (MCA) initialization and screen sequence figure according to an embodiment of the invention.

[120] Figure 92 has shown screen sequence class according to an embodiment of the invention.

[121] Figure 93 has shown that EWP J2ME synchronous service is called according to an embodiment of the invention.

[122] Figure 94 has shown according to an embodiment of the invention asynchronous interactive or the uncalled notice with server.

Embodiment

[123] in this description, a lot of details are provided, as assembly or method or both examples, so that embodiments of the invention are comprehensively understood to embodiments of the invention.Yet, those skilled in the art will appreciate that and can under the situation of neither one or a plurality of details, implement embodiments of the invention, also can utilize other equipment, system, assembly, method, parts or the like, and the combination of these things is implemented.In other cases, do not show particularly or describe known structure, material or operation in detail, to avoid making some aspect of embodiments of the invention thicken.

[124] in the specific implementation mode, the present invention relates to mobile payment platform and service.Embodiments of the invention have comprised a payment platform, this payment platform provide use them for individual or businessman the mobile device visit such as debit account the account in case pay the bill fast, easy mode.Further the interface comprises IM, Web, and the application program widget.Other accounts can comprise DDA or credit card account.The account also can be the account of stored value that does not have card related with it.Additional embodiments of the present invention relates to various affiliates, comprise mobile-phone carrier, nationwide brand businessman, and financial services provider, together with payment platform, this payment platform provide for the individual use that their mobile device pays the bill fast, easy mode.

[125] Fig. 1 has shown the block scheme of system of the present invention, is used to carry out the exchange of value transaction, comprises in the specific implementation mode person-to-person payment and transaction, the payment transaction of people and businessman, and other bank transactions.Apps server 107 is connected to network 109.Though only shown an apps server,, in system of the present invention, the apps server of any amount can be arranged, and such server can disperse on the geographic position.Such apps server can be moved on the single server machine, also can move on many server machine.Along with the load on the apps server increases, usually, will use more machine to handle and respond increased load.

[126] interface 112 of businessman and user interface 116 also are connected to network.This network can be any network of transmission data, comprise, but be not limited only to, the Internet, Ethernet, Plain Old Telephone Service (POTS) circuit, Public Switched Telephone Network, ISDN, DSL, concentric cable, optical fiber, satellite, honeycomb fashion, wired, wireless, permanent haulage line, series, parallel, and many other forms, and their combination.User interface can be handled the user of any amount, as user A, user B, and maximum user n, wherein, n is any positive integer.User interface can realize by various device, comprises the wireless or mobile device such as mobile phone or PDA, perhaps by permanent haulage line or wire link, uses, and for example, the browser that is connected to the Internet is realized.User interface can be operated by any suitable agreement, comprises SMS message, IVR application program, or other mobile applications.The businessman interface also is connected to apps server.Be similar to user interface, can have the businessman of any amount to use any suitable device and agreement to be connected to apps server.

[127] on apps server, a process payment 119 that also can be connected to the businessman interface is arranged.Financial institution interface 123 is connected to apps server and process payment.Can there be the financial institution of any amount to be connected to apps server.Apps server also can comprise database 127.Perhaps, database can be positioned on the server that separates with apps server, and apps server can be visited it by network or other connections.Financial institution also can be connected to database.Database can comprise register system 130 and the virtual combined account 134 that is managed by apps server 107 usually.Financial institution can manage combined account 138.Therefore, in financial institution, can with combined account management accounts system and virtual combined account dividually.

[128] in operation, system of the present invention resides on the apps server 107.The user by network 109 utilize his selected equipment with and related agreement visit system.In one embodiment, system has safeguarded an account for the consumer, and the consumer is by any suitable method, and as direct savings, the bank account that is linked to such as check or savings account or credit card is saved fund among his account.The amount of money by each consumer deposits safeguards in the combined account 138 of financial institution all that all register system has been safeguarded each individual consumer account's record, although fund is incorporated in the financial institution.Equally, businessman has also safeguarded an account, and their fund resides in the combined account, and is followed the tracks of by register system.Under the situation that combined account 138 is safeguarded in a plurality of financial institutions, virtual combined account 134 is carried out the real-time expression of the remaining sum in those different virtual accounts 138, allow consumer and businessman to realize the advantage of real-time and intimate real-time deal, and improved banking efficiency simultaneously, allow to coordinate not too termly, for example, as every day or regularly carry out weekly.Those skilled in the art will realize that the not all embodiment of combined account is necessary, on the contrary, can realize personal account, though the mode of operation of system is identical with combined account basically in financial institution.

[129] if the consumer wishes the remittance to another person or businessman, he is by his access device, and for example mobile phone provides suitable information, and system's record of concluding the business.As the part of transaction, consumer's account is therefrom marked, and payee's account will be put under.Because fund reality safeguards therefore, do not have the external sources of finance transfer in single combined account.On the contrary, unique change is marking and putting under of corresponding account, and is reflected in the register system, and this is to take place in real time basically.Even under remitter's fund and payee's fund was maintained in situation in the different combined account of safeguarding in the different mechanisms, the account transfer of register system managed fund was so that from remitter and payee's angle, transaction is to take place in real time basically.So, do not use ACH or other expensive architectures, as the proprietary system related with conventional credit card.This makes the user of system carry out the considerably less currency exchange of the amount of money again, does not have unsuitable cost.

[130] in addition because system of the present invention has the current record of the fund that can use from the remitter, to the payee be sure of to have can zero access good fund.The result is used for the P2P that carries out in real time basically and P2M funds transfer easily, economical system, so that with regard to ease for use and degree of recognition, suitable cash, and the while provides checking and record to check and credit card, does not have related delay and the uncertainty of coordination and other aspects with conventional funds transfer.

[131] virtual combined account 134 also can be used for being equilibrated in the various combined accounts 138 fund of safeguarding, guarantees to have enough funds to can be used for any transaction, and, also for trustship the corporate finance mechanism of combined account 138 suitable feedback is provided.

[132] system of the present invention can comprise some or all shown in accompanying drawing element, and can comprise other elements that do not show.Some element can be divided into independent piece, perhaps, and some element also can combine (for example, two pieces merge in the single piece) with other elements.In addition, also can replace some element (for example, replacing a piece) with other elements that does not show with a different piece.

[133] in operation, system of the present invention is used for helping carrying out financial transaction between the individual and between consumer and the businessman.In one implementation, the user can start transaction by using the mobile device such as mobile phone or smart phone.In addition, the target of transaction can be the people with the mobile device that can visit mobile-payment system.

[134] in one implementation, the source of fund of these financial transactions can be the apps server owner or the operator of (can be called as mobile payment server or mobile payment service sometimes).Then, consumer (and businessman) can serve the load or unload fund from mobile payment.These funds can be any sources, comprise cash, check, the on-line payment solution, remittance funds transfer, check account, savings account, certificate of deposits, reverse mortgage account, brokerage account, bonus, security, hedge fund account, credit card, debit card, or any financial document, or any combination of these things.

[135] in other implementations, source of fund is can be by the financial institution of user by the mobile payment server access.If desired, fund can shift between each financial institution.For example, user A can be to user B or businessman's remittance, and each side has money on deposit in different financial institutions.Mobile-payment system will help the account transfer between each mechanism, and correspondingly notify each side.

[136] Fig. 2 has shown the software architecture of specific embodiment of the present invention.This block scheme has shown the layer of the particular architecture that can realize on apps server 107.Layer comprises user's web application container 203, payment system container 206, persistent layer 209, and relational database management system (rdbms) layer 212.

[137] in the specific implementation mode, user's web application container and payment system container can be based on by BEA Systems, the WebLogic that Inc. produces.Persistent layer can be based on Hibernate.Relational database management system can use the Orancle database.Yet, in other specific implementation modes, also can use other suppliers' system.For example, system of the present invention can comprise open source code.

[138] in user's web application container, be useful on the presentation layer that is connected with dissimilar clients.Some examples of the interface that is provided comprise SMS gateway, telephony application gateway, web services gateway, web application page gateway, and web application framework gateway.The telephone message codec will be such as SMS or phone import into or spread out of request or both are converted to system or the specific message of client.Architecture of the present invention can comprise these interfaces of any amount.

[139] the payment system container is included in the connector of outside finance or security system, mail server and message transmission service.Also have service logic interface and payment system service logic.Service client can call business service by the business service gateway.The gateway implementation can be used EJB or other technologies.

[140] system of the present invention can comprise the element of any amount shown among the figure.System also can comprise the element that other do not show.Some element can be divided into independent piece, perhaps, and some element also can combine (for example, two pieces merge in the single piece) with other elements.In addition, also can replace some element (for example, replacing a piece) with other elements that does not show with a different piece.

[141] payment system architecture-technological accumulation and inheritance

[142] one aspect of the present invention is mobile-payment system or service.The application has discussed the many specific embodiments and the implementation of single component and element, the variation of these embodiment and implementation and modification, and their combination.System of the present invention can comprise any in the variation discussed or the specific implementation mode, individually or with the form of any combination.In this application, provide the example of the specific implementation mode of mobile-payment system, here for convenience's sake, this specific implementation mode is called as " Obopay system ".The Obopay system is the example of the implementation of mobile-payment system, is used for low weight loose ground and describes various aspects of the present invention.The present invention has comprised many mobile-payment system implementations, is not limited only to described specific implementation mode.

[143] Fig. 3 has shown specific implementation mode of the present invention.Fig. 3 has shown strong according to an embodiment of the invention technological accumulation and inheritance 300, comprises mobile client server platform 302, extendible hardware environment 304, and bank integrated 306.

[144] platform 302 provides security, communication, ledgers, currency, swindle and report, and the core of the payment system architecture of management.Mobile client application program (MCA) is moved on the J2EE paying server, and this is the technology that many banks are liked.The transaction request of importing into and spreading out of is handled by HTTP or web services order.Fraud detection, transaction data base, and bank is integrated has constituted whole image.

Should be appreciated that [145] because immanent feature of the present invention, platform 302 comprises many different implementations.For example, platform 302 can comprise the server farm that wherein has a plurality of servers to be connected to the network of memory device.In other embodiments, platform 302 can be used as provides load balance and redundant a plurality of data centers to realize.

[146] hardware environment of payment system architecture-platform 302

[147] the payment system architecture is extendible based on the horizontal direction that strong failover functionality is provided, trooping, scalable hardware environment.In one embodiment, platform 302 is to use based on the operating system of Linux and realizes that this operating system is supported thin-client application program, comprise such as Microsoft

Internet Explorer, Netscape, Opera, and the browser of Mozilla Firefox and so on.This operating system is also supported thick client application.In one implementation, on the mobile client platform, used the Java2 platform, Micro Edition (J2ME) and Microsoft.NET, and as required, used other thick client application.

[148] example of the client that can be connected with system comprises mobile phone, smart phone, personal digital assistant device, notebook computer, desk-top computer, and many other equipment.Client can be connected to system by communication network.This network can be wireless, also can be wired.In the specific implementation mode, network is wireless, and client device is a mobile device.

[149] the communication network communication link of can being unified by the department of computer science of many interconnection constitutes.Communication link can be hard-wired link, optical link, satellite or other wireless communication links, ripple distribution link, or any other is used to the mechanism of the information of transmitting.Can use various communication protocols between various systems, to communicate.These communication protocols can comprise TCP/IP, http protocol, wireless application protocol (wap), supplier's certain protocol, custom protocol or the like.In one embodiment, communication network is the Internet, and in other embodiments, communication network can be any suitable communication network, comprise Local Area Network, wide area network (WAN), wireless network, in-house network, private network, public network, exchange network, SMS news network, mobile telephone network, cellular phone network, Ethernet, and the combination of these networks, or the like.

[150] network can be cable network (for example, using copper cash), telephone network, packet network, optical-fiber network (for example, using optical fiber), or wireless network, or any combination of these networks.For example, can use wireless network, use such as Wi-Fi (ieee standard 802.11,802.11a, 802.11b, 802.11e, 802.11g, 802.11i, and 802.11n, only give some instances) and so on agreement, transmission data and other information between the computing machine of system of the present invention and assembly (or step).

[151] in one embodiment, the user is connected with system by the portable computing device such as smart phone or mobile phone.Computer system can comprise display, casing, keypad, and indicating equipment.In casing, the computer module of being familiar with such as processor, storer, mass-memory unit or the like can be arranged.Single processor can be arranged, also a plurality of processors can be arranged.Processor can be a polycaryon processor.

[152] some examples of the mass-memory unit that can be connected with computing equipment comprise quickflashing and other nonvolatile memories, flash drive, (for example dodge card, the SD card), the large capacity disc driver, floppy disk, disk, CD, magneto-optic disk, shaft collar, hard disk, CD-ROM, recordable CD, DVD, recordable DVD (for example, DVD-R, DVD+R, DVD-RW, DVD+RW, HD-DVD or Blu-ray Disc), battery-backed volatile memory, tape memory, reader, and other similar media, and the combination of these media.

[153] in one embodiment, the present invention is the computer software of being carried out by computing equipment.Computing equipment can be client device or server apparatus, or the combination of these equipment.Computer implemented or the executable version of the computing machine of the present invention medium that can read that can use a computer is implemented, is stored in the medium of embodied on computer readable, or related with the medium of embodied on computer readable.The medium of embodied on computer readable can comprise and be used for providing instruction so that any medium of carrying out to one or more processors.Such medium can present many forms, includes but are not limited to, non-volatile, volatibility, and transmission medium.Non-volatile media comprises, for example, and flash memory, or CD or disk.Volatile media comprises static or dynamic storer, as cache memory or RAM.Transmission medium comprises concentric cable, copper cash, fibre circuit, and the circuit that provides with bus form.Transmission medium can also present the form of electromagnetism, radio frequency, sound wave or light wave, those as generating in the process of radiowave and infrared data communication.

[154] for example, the scale-of-two of software of the present invention, the executable version of machine can be stored in or reside in RAM or the cache memory, or is stored in the mass-memory unit.(for example, hard disk, disk, tape or CD-ROM) in the mass-memory unit also can be stored or reside in to the source code of software of the present invention.As further example, code of the present invention also can pass through circuit, radiowave, or transmits by the network such as the Internet.For example, application program of the present invention can be downloaded and is installed on the phone.After installing, the user of phone can move this application program, and to another user's remittance.

[155] can be according to computer software of the present invention with any the writing in the various suitable programming languages, as C, C++, C#, Pascal, Fortran, Perl, SAS, SPSS, JavaScript, AJAX, and Java.Computer software product can be the stand-alone utility that has data input and data disaply moudle.Perhaps, computer software product can be a class, can be used as distributed objects and instantiation.Computer software product also can be such as Java Beans (from Sun Microsystems) or Enterprise Java Beans (from the EJB of Sun Microsystems).

[156] operating system of system can be Microsoft Windows

Any among series operating system (for example, Windows 95,98, Me, Windows NT, Windows 2000, Windows XP, Windows XP x64 Edition, Windows Vista, WindowsCE, Windows Mobile), Linux, HP-UX, UNIX, Sun OS, Solaris, Mac OS X, Alpha OS, AIX, IRIX32 or the IRIX64.Also can use other operating systems.Microsoft Windows is the trade mark of MicrosoftCorporation.

[157] in one embodiment, under situation about carrying out on the equipment, the user is by the system on the access to netwoks world wide web (www) such as the Internet at a Web browser.Web browser is used to download the Web page or the other guide of various forms, comprises HTML, XML, text, PDF and postscript, and can be used for uploading information to other parts of system.Web browser can use unified resource identifier (URL) to identify resource on the Web, uses HTTP(Hypertext Transport Protocol) transfer files on Web.

[158] platform 302 comprises server 308, is used to handle mutual with the account holder, and safeguards transaction record.The link of the value-added service that is provided by business partner also is provided server 308.Server 308 utilizes transaction data base 309, comprises data storage network under this database preferable case.Server 308 uses the information (as account number, balance amount information or the like) that obtains from transaction data base 309, manages the process payment 310 that communicates with commercial distribution point (POS) terminal 311.Businessman can use POS terminal 311 to carry out financial transaction, adds fund as the debit card to the account holder.Businessman also can set up independent linking with paying server 302, to be used to settle accounts purpose.

[159] settlement engine is handled the transaction in the closed-loop system, and this closed-loop system will in real time or be close to and settle accounts in real time.When producing the P2M transaction, user's account and businessman upgrade basically simultaneously.Load the agency because most of businessmans also can serve as, therefore, businessman will have remaining sum in their account.Settlement engine can be used for the dollar amount of money that will preset or transfer into the outside bank account that businessman holds by the MIN dollar of amount of money.

[160] because can be from the account holder of a registration to another registering account possessor allotted fund, settlement engine also be convenient to person-to-person (P2P) transaction.

[161] platform 302 further comprises fraud detection system 312, is used for following the tracks of the information of extracting from each financial transaction.Such fraud detection system is known, usually is used to monitor fraud when using credit card.Risk is controlled (referring to Fig. 3) by the general rule engine, this engine application limitations, and determine the acceptability of the transaction of request from the angle of risk.

[162] can excavate the information of collecting, use for businessman and consumer's value-added application, commercial monitor application, system operation application program and security monitoring application program, as shown in 313 into each financial transaction.Be explanation, sell engine and provide complimentary ticket or discount to the account holder from the businessman that participates in.This engine is also controlled the use of selling on credit immediately, to stimulate registration.

[163] currency exchange module is used for overseas operation, and the measure of value in the closed loop payment system need be converted to other currency.This module also is used to control foreign currency exchange.

[164] the virus-type engine provides the ability to the non-registered users remittance.This module allows account holder's remittance, also sends message first to the payee, is illustrated as them and has kept a fund, in case they register, will can use them.

[165] roaming function provides the trading environment of reciprocity partner and businessman, and wherein, businessman uses mobile phone to verify the fund that whether receives, and businessman can not visit and be generally used for the terminal that credit or debit card is accepted.An advantage of the invention is that owing to do not receive cash, fund is guaranteed, unlike check, is safe, and instant checking also is provided, this is to be infeasible for the sales slip that does not have terminal.

[166] affiliate of bank is integrated

[167] transaction data base 308 merging bank accounts 306 direct and that cooperative bank safeguards integrate.All funds all leave in this account, though businessman can transfer accounts by ACH, their fund are transferred into other accounts from their advance deposit credit account.Each account should be appreciated that more than one cooperative bank can be arranged, so that can be linked to the merging bank account in more than one bank.Because platform 302 is known each account's available balance (no matter how much quantity of the affiliate of bank and combined account 306 is), when the clearing carried out between cooperative bank, there is not the disabled risk of fund.

[168] owing to be applicable to the sales partner, comprise mobile operator, national brand businessman and financial services provider, as bigger bank and credit union, the payment system architecture utilize existing mobile architecture and and message delivery techniques, so that addressable at large financial service to be provided cheaply.

[169] mobile service provider affiliate

[170] by numeral payment solution is provided to the user, the mobile service provider can obtain incremental income, and bigger data traffic, and competitive edge.Different with other payment systems, the present invention can offer the whole user group of provider, because it can use SMS.

[171] in addition, the account holder can pay their bill or pay at maturity (top-off minute) by their advance deposit credit account.This is particularly useful to the account holder who does not have other financial services to use.

[172] affiliate of businessman

[173] receive credit card traditionally, debit card, check, and the various businessmans of cash are excited to accept individuation payment account transfer architecture of the present invention, cost is lower by adopting.Businessman also has an opportunity as help account holder interpolation fund in their account, and to obtain commission income into handling the advance deposit account transaction.Most of businessmans also can provide a spot of cash to return, and are similar to the debit card pattern of current use.

[174] affiliate of bank

[175] by system of the present invention, bank can " move " their existing user group now, because can their account of fast access, and can carry out payment between account holder and the account holder.Utilize this partnership relation, serve too expensive consumer before bank also can obtain.Can not produce the cost of setting up bank but following serious management system, one embodiment of the present of invention are to use the combined account of participating banks to realize, wherein, the ledgers in system handles front, to its cooperative bank, or represent its cooperative bank, the report net position, but allow bank finally to settle accounts.This will adapt to the regulations of government, and permission and the positive coexistence of bank's environment.By the bank account that uses cooperative bank and follow, the payment system architecture is designed to whenever possible, strengthens account holder's existing bank account, also serves as independent account where necessary.All funds in the account of commercial bank who entrusts keeping for the account holder, have been safeguarded by single advance deposit credit account representative.When finish each working day, the remaining sum of all accounts' total will equal bank balance.In one embodiment, the All Activity that produces in the time period of twenty four hours will be settled accounts in this time period, and in other embodiments, the clearing time period can change, can, for example, weekly, every month, or any routine or irregular time period.The account is just as the wallet that has cash, and remaining sum can change immediately.In other words, the present invention does not serve as the demand deposit that wherein can be shown financial instrument by the third party.In some embodiment at least, the account holder can not send the immediate instrument such as check.As a result, the pending transaction of not settling accounts on the date in future, moreover guaranteed in any transaction, to have good fund to be provided to the payee.

[176] method of operating

[177] in one embodiment of the invention, before shopping, the account holder is the interpolation fund in advance deposit credit account.Can be by using mobile phone or another phone, by utilizing addressable website, the Internet or, utilizing interactive voice response (IVR) to add fund to the advance deposit credit account who is positioned at the affiliate there by contact customer service representative.At an embodiment, the user can pass through ACH or atm network, sets up directly savings link or an account is linked to bank account.Fund can be transferred accounts from the existing account who is positioned at financial services provider affiliate (as financial institution) there, or by depositing cash to advance deposit credit account (businessman or other third parties that are participating in) or showing check.Then, the account holder can visit these funds by their mobile device, and to pay the bill, they also can receive payment there from other people, converge in their account.In other embodiments, fund can transfer into from the credit card account of appointment the advance deposit credit account.

[178] in another embodiment, fund from each account holder is incorporated in the single financial institution, and each account holder has the fund that equals to deposit to deduct in combined account to transfer into another account to add the interest of the fund sum of the fund that receives from other people there.The account holder can extract some or all their available fundss from combined account.

[179] in another embodiment, each account holder can set up advance deposit credit account in any financial institution, and visits this account indirectly with allotted fund.So, the account holder is not limited to have the debit card of the fund of safeguarding in the combined account in specific financial institution.On the contrary, the account holder can visit the debit card account in the financial institution that they select.

[180] in another embodiment, credit card account is designated as main account, and the fund in the debit card account drops to or when being lower than the some selected amount of money, cash advance is moved among the advance deposit debit card account.

[181] in another embodiment, financial transaction is carried out between the individual, and all (for example, the personal identification number PIN) identifies each side by telephone number and password.Perhaps, financial transaction also can identify by username and password.At least one square tube of participating in business in other embodiments, is crossed bar code and is identified.Bar code may be displayed on the display such as the screen of mobile phone, and the camera that has on the mobile device by most of modern times detects.Perhaps, bar code also can be printed on the equipment, also can otherwise be attached on the mobile device.

[182] In a particular embodiment, the mobile client application program (MCA) that is called as that resides on the mobile phone only requires that the account holder has Mobile Directory Number and advance deposit credit account.Alternatively, credit card or check account can be used as source of fund and are accessed.Under the preferable case, need not insert in extra hardware or the Internet such as point of sales terminal.A dawn registration, the account holder has unique account holder's identification number (PIN), with the checking All Activity.When registering, the account holder imports their Mobile Directory Number, and server is shifted the mobile client application program in their phone onto.In case the mobile client application program has been installed, the account holder just can bring into use mobile phone to carry out financial transaction.Perhaps, the user uses this user's the specific URL of mobile Internet browser access (for example, get.obopay.com), browser will begin the downloading process of mobile applications, download this application program.

[183] account holder also can select debit card or the credit card that is provided by financial institution is provided their account, and these cards can use worldwide millions of businessmans merchandising location.In addition, by being linked to such as NYCE network atm network, the account holder can use ATM, obtains cash from their advance deposit credit account.

[184] for the account holder, it is seamless reaching financial transaction.Subscriber equipment is in the implementation of mobile phone therein, only needs can carry out funds transfer by sending first message from the mobile phone that is equipped with the mobile client application program to server.Paying server is verified each transaction, and allotted fund, or response account holder's the request to account information.

[185] send transaction request to server

[186] when the account holder when their mobile phone sends transaction request, information is routed to mobile operator, as Cingular or Verizon or other mobile phones service provider.Then, information connects by the Internet of safety, is routed to paying server.In alternative, information is by carrying out route such as wireless network, POTS or other available networks.This redundancy is important, because the account holder is not limited to single access path with the account that controls them with carry out financial transaction.The position or other situations that depend on the account holder, one or more communication paths may be unavailable.Yet because system redundancy may have at least a communication path to use, financial transaction can be finished.

[187] depend on account holder's mobile phone, the financial transaction request is transmitted in one of two ways.If the account holder has the phone of support application program, this phone allows by transmitting the finance request based on the application program (HTTP or HTTPS) of Web or any combination of the mobile applications such as J2ME .NET .NET CF, WAP or SMS or these application programs, and transmission directly enters server.In case MCA and paying server connect, and just send a request message.

[188] be the less relatively part of current employed equipment owing to the equipment of support application program is current, therefore, paying server also (is also referred to as the SMS text message, or simply by Short Message Service, SMS) transmission and reception are because nearly all equipment is all supported SMS.In the case, financial data is routed to mobile operator, then, is routed to the SMS synthesizer, and this synthesizer is in real time to the paying server message transfer.

[189] the SMS mobile-payment system has been avoided and added related cost and the problem of chip in mobile phone.In the operation of SMS system, Financial Information is to use the SMS text message to send.Although the SMS text message is applicable to the mobile communication equipment of various types of cellular devices and some other types, as portable digital-assistant or PDA, but SMS can expose unencrypted password or personal identification number (PIN), and the details of balance amount information or relevant nearest transaction.Because anyone who has a phone can read the SMS message file and know that immediately the account who how to visit another person, embodiments of the invention do not use SMS message to send PIN.Correspondingly, in one embodiment, the invention provides by SMS text message startup financial transaction.SMS message begins-PAY, REQUEST PAYMENT, BALANCE, TRANSFER or HELP with the key word of type of transaction that request is provided.In one implementation, " PAY " is called " SEND ", and " REQUEST PAY " is called " GET ".

[190] comprise expression in SMS message and wish from an account holder under the situation of the key word of another account holder's allotted fund, key word will be pay or requestpayment (or, send or get).After key word, the input amount of money has radix point, also can not have radix point.After the amount of money, input destination phone numbers (or short code, e-mail address, licence number or other identification informations).This information can obtain from the telephone directory book of mobile device.After telephone number, the account holder can import the message that shows to the other side.In some cases, this message can be empty message.In certain embodiments, the account holder can import additional message, the purpose that is used to write down.

[191] in case SMS message is sent to paying server, just can import PIN, and send to paying server, with checking SMS message by the voice-grade channel connection by the account holder.PIN can be any alphanumeric code by the keyboard input.Then, PIN is used as dtmf code message and sends to paying server, and wherein, DTMF is meant dual-tone multifrequency, is the signal that telephone operator receives when the contact-key of phone is pressed.

[192] on server, paying server receives SMS message by SMS text message communications path, and receives PIN by voice-grade channel.Visit to paying server can be undertaken by the account holder, and the response that also can be used as receiving SMS message is started as " callback " function by paying server.The message that PIN can be used as dtmf code sends, with maintenance safe, but, in other embodiments, PIN can be said by the account holder, and by at paying server or be exclusively used in the interactive voice recognition software module of working on another server (not shown) of processed voice phone and change.

[193] in one embodiment, mobile device comprises the mobile client application program.Mobile client application program or directly call, or the activation of the SMS text message function on the response mobile device and calling by the account holder.MCA determines to send the best approach of PIN.

[194] in an alternative, PIN is encrypted by the mobile client application program, and is included in the follow-up SMS message that sends to paying server.Paying server by with telephone number and each then the transmitting time of message mate and make message relating.If PIN sends comparing in the message far away in time with SMS message, then can refuse transaction.If received only in two message, then can refuse transaction.Yet,, so, carry out financial transaction if receive and verified SMS message (having key word at least) and the PIN code that has the financial transaction details.

[195] in another alternative, but as the voice-grade channel time spent, the mobile client application call is encoded to PIN the module of DTMF form.Then, DTMF sends to paying server by the mobile client application program along the voice-grade channel connection of being set up by the mobile client application program.Module can be based on the input of keypad and generate the Java API of suitable tone.

[196] in another alternative, the mobile client application program provides user interface (UI) on the display screen of mobile device, and the guiding account holder carries out financial transaction.In this embodiment, by automatic insertion key word, the amount of money, destination phone numbers, password, and message (if any), guide the account holder to finish the process that makes up the SMS text message.

[197] in another alternative, SMS message can comprise key word, the amount of money, destination phone numbers and password.The shortcoming of this implementation is, password will to controlling mobile equipment anyone all as seen.Yet in such embodiments, this problem manages by sending message to the account holder, and the indication user deletes the message that sends from the SMS log folder.Perhaps, such indication can offer the user by help and FAQ information.These indications can advise that also when carrying out financial transaction, the account holder should close the function that writes down the SMS message that spreads out of.

[198] Xia Mian description has illustrated and has used the SMS text message to make the account holder from the mobile phone of any support SMS or the device access paying server of other supports SMS.The mobile client application program does not need to reside on the mobile device, though as discussed, the mobile client application program is installed to has lot of advantages on the mobile device.

[199] in operation, the account holder uses the existing text message function on their phone to come to send text message to paying server.Function comprises Pay (or Send), Request Pay (or Get), Balance, History and Help, calls these functions by using in these functions any one as key word." recommendation " or " invitation " option also can be arranged, invite other people to join in the system to allow the user.Recommendation people or quilt recommendation people, or both, can be given the recommendation bonus.The account holder imports key word together with side information in the text of text message, send to the order of paying server with structure.Visit to paying server can be undertaken by free telephone number, short code or e-mail address, and all these are all to SMS text message system banner paying server.An example of short code is 62729, and the text message order that is used as the account holder sends to the destination phone numbers of paying server.An example of e-mail address is sms@obopay.com, and this is the Email target that sends to the SMS text message order of paying server.

[200] will use the SMS method to pay to other people or businessman, the account holder can import the shown command string of Table A.

[201] Table A

Key word	PIN	The target Mobile Directory Number	The amount of money	Message (optional)
					pay	###	##########	#.##	Abed

[202] in some scheme, each and last between all should have at interval.In one implementation, key word case-insensitive.Mobile number can comprise that area code adds Mobile Directory Number, does not have the space in mobile number.The account holder can import guiding 1 in telephone number, or does not import.Dollar mark () does not need to import with the amount of money, but allows input.Alternatively, the user can comprise message first with their payment.

[203] in an alternative example, in second message, send PIN by voice call.Use the SMS of combination to add the audio frequency channel method and pay to other people or businessman, the account holder can import the shown command string of table B.

[204] table B

Key word	The target Mobile Directory Number	The amount of money	Message (optional)
				pay	##########	#.##	Abed

[205] PIN is by voice communication channel-promptly, cellular network, the Internet or POTS-send to paying server.

[206] when the SMS that uses SMS method or combination adds speech method the account holder is made Payment Request, they can use manual SMS text message system to accept or refuse this request.

[207] at the paying server end, one or more data centers have the system that is used for processes financial transactions.Each data center all comprises the combination of PBX/ACD/VRU technology, to allow the call treatment of a plurality of whiles.Can use the VRU technology that inbound and departures DTMF support able to programme is provided.VRU can be connected to the J2EE system of enterprise of expression actual service logic and the register system of record financial transaction.Then, the J2EE system can be integrated with the actual bank that is used to carry out settlement of transactions.In one implementation, be the SMS security, once the password option of property is used as option, and this is, for example, does not have PIN to come work by allowing the user send transaction, and system will send a series of problems to the user allows them answer.

[208] use mobile client application program (MCA) to conclude the business

[209] not only convenient but also simple to another account holder or businessman's remittance.Native system has been simplified in batches payment, as being that a charitable activity is solicited contributions from many account holders, or carries out a plurality of transaction from same account holder simultaneously.

[210] account holder and account holder (person-to-person) transaction

[211] from an account holder to stride the room, stride cities and towns or transnational another person remits money simply, convenient and cheap.The credit account holder of advance deposit can be to the mobile phone account holder of any support SMS remittance, even the mobile client application program is not installed on their mobile device or does not have the credit account of advance deposit.If the payee also is not the account holder, then the payee receives SMS text message first, points out to have the people to transfer accounts with their title.Be to obtain the visit timely to these funds, the payee registers, with the credit account of the advance deposit that obtains themselves.This " virus-type " message makes non-account user oneself become the account holder easily.If the employed mobile device of non-account user is supported WAP or mobile Internet browser, so, registration can be carried out immediately by phone.The user also has and uses Web, retail kiosk, the option in the affiliate of businessman there or by predetermined this service of another equipment in person.

[212] dirigibility of the present invention can be provided in the transaction and to select and the method for the novelty of identification of parties.In one embodiment, the payer keys in telephone number or other identification codes by the keypad of their mobile device.Identification code can be three, four or five special " short codes ", is converted to certain accounts by the mobile service provider.For example, if the account holder wishes to download the TV programme that television network provides, the account holder keys in 227 short code, pays this network, to obtain desirable content.Short code can use any alphanumeric character sequence.In such scheme, it is desirable to encourage their service of user capture that the payee obtains short code.

[213] in alternative, the payee of fund can identify by the telephone number of selecting the address book function from mobile device.So, there is no need to import individually telephone number.In one implementation, use the address book of trustship, the user will utilize service that their address book is set, and then, they will use this address book by employed any equipment.Will originally fill the address book of trustship, system can enter the third party's address book such as Outlook, telephone personal information supervisor (PIM) address book, or the interface of the service of the third party such as Plaxo.

[214] in another alternative, the payer uses the camera-enabled on the mobile device to obtain sign payee's image.An example of image is a bar code.

[215] in another alternative, the payer is identified by the image that obtains by the payee.Such image that obtains is the bar code that is presented on the display screen or is fixed on the mobile device outside visibly.

[216] In yet another embodiment, no matter be that payer or payee can identify by near field communication devices such as radio frequency identification equipment (RFID) or near-field communication (NFC) equipment.

[217] account holder and businessman

[218] account holder can extract fund in many ways or do shopping in affiliate businessman there:

[219] mobile phone of (1) mobile phone and businessman;

[220] (2) mobile phone and businessman's point of sale web application;

[221] (3) advance deposit partner debit card;

[222] (4) businessman by wishing to the code letter numeral explicit user of import of services sign product to do shopping;

[223] (5) are by selecting to pay from the electronic business transaction trolley of businessman or Web or mobile applications; Or

[224] (6) are by selecting product in Web or the catalogue in the telephony application of service.

[225] in one embodiment of the invention, mobile device related (check, savings, credit card, advance deposit with one or more bank accounts, or the like), the account holder can be from an account in real time to another account's allotted fund, need not service centre is carried out any visit, also need not any the Internet or computer access.Under the preferable case, the account holder can select certain account, obtains fund from this account, to do shopping in real time.

[226] in another embodiment of the present invention, the account holder contributes to the main account that the affiliate of bank holds.At any time, the account holder can extract their whole contributions, without any loss.In some scheme, main account has interest, is used in the interest of accumulating on this account the affiliate of bank who has managed payment system is compensated.

[227] in another embodiment, use NFC between mobile device, to communicate to use architecture of the present invention to carry out financial transaction.In another embodiment, use NFC between mobile device and POS terminal, to communicate, to carry out financial transaction.

[228] many existing products are arranged, potentially, have a large amount of new products will benefit from the present invention.For example, the telephone plant of any support the Internet such as voip phone can be used for implementing the present invention, although can be fixed on an ad-hoc location, not necessarily moves.In other embodiments, can use e-mail address or in many ways as a side who replenishes or replace telephone number to identify participating in financial transaction of telephone number.

[229] be also to be understood that described in the accompanying drawing one or more elements also can with separate or integration mode realize, perhaps even remove or do not work in some cases, can be according to the incompatible use of specific applied field.

[230] for the operation revenue pattern that moves, architecture is transferred accounts in the individuation payment

[231] the mobile individuation payment of operation account transfer architecture provides the chance that produces revenue source, need not the high expense of transaction charge that businessman is participated.Should be realized that in mobile or wireless world, the cellphone subscriber usually is ready to buy a kind of small amount exclusive monthly fee and obtains some service.Correspondingly, produce income by the expense of each transaction of remittance being collected small amount.In an one exemplary embodiment, for the following transaction of the selected amount of money (as $25), the several cents of each tranaction costs.For further specifying problem, in alternative, " each transaction " expense can be Cong $0.05 to $0.10, though can collect any expense, from each transaction less than a cent to several dollars of each transaction.For example, expense can be concluded the business from $0.00001 to $10 at every turn.

[232] expense can be collected to beneficiary and paying party two aspects.Perhaps, can collect the charges to the account holder of remittance.In other embodiments, can collect the number percent of dealing money.In this embodiment, for the higher-value transaction, as, illustrate ， $25, collect the charges.Under the preferable case, before the last approval of account holder and mandate are remitted money,, if any, be presented on the approval screen the expense notice.In other embodiments, for some or All Activity, for example,, can not collect the charges for penny ante.So, when little use payment account transfer architecture is carried out the small amount shopping, there is not " each transaction " expense.

[233] be not payment " each transaction " expense, every month exclusive monthly fee that the account holder can select to pay remittance and gathering is used.In this embodiment, there is not " each transaction " expense.Every month charge can change, and the expense of businessman's payment is higher (perhaps, low in some cases) than the expense of personal user's payment.

[234] correspondingly, the embodiments of the invention expection has multiple different revenue source pattern, and specifically, (1) at the side or the both sides that participate in financial transaction, assessment " is concluded the business " at every turn.Under the preferable case, Fee Amount from an about cent to $0.15; (2) monthly payment charge, each account holder pays every month service fee; (3) for surpassing the selected amount of money, as, ， $50 as an illustration, transaction, higher tranaction costs, for every other transaction, abandonment cost is used; And (4) value-added service is as the linked accounts service, automatically to write down trade detail or to help to prepare to submit to tax form.Service can obtain to hold the unsteady income or the advertising income of fund, and these go for Merchant Rate (for example, tranaction costs).Perhaps, or in addition, can produce income by the interest of collecting combined account.

[235] Fig. 4 has shown the another kind of implementation of system of the present invention.Fig. 4 has shown an embodiment who uses value-added service between two account holders.As example,,, as quote shown in the arrow 404 then to server platform 403 transmission Payment Request if the account holder related with mobile device 401 starts an account transfer operation to mobile device 402.Payment Request can comprise the optional description of paying matters.For example, the account holder can annotate and comment on the payment item, is the account of disbursement commodity to represent it.Description can be selected from the menu on being presented at mobile device 401.Perhaps, description can be voice or the text message related with Payment Request.

[236] when receiving Payment Request, server 403 is from payer's the account account's allotted fund to the account holder related with mobile device 402.This transaction has taken place in the financial institution of notice management combined account 405, as quotes shown in the arrow 406.So, fund is added among the account related with mobile device 402, and from the account related with mobile device 401.Then, financial institution sends first and confirms, as quotes shown in the arrow 407.

[237] server platform 403 also sends the notice of payment to mobile device 402, as quotes shown in the arrow 408.Send second message to mobile phone 401, point out to pay, as quote shown in the arrow 409.If the user of mobile device 402 is not the account holder, the family of then can opening the books, as quote shown in the arrow 410.Perhaps, the user can extract fund from the ATM of appointment or other facilities related with the financial institution of management merging fund.

[238] then, server platform 403 passes through the description to account and record service 411 transmission dealing money and transaction, writes down transaction, as quotes shown in the arrow 412.After this, the account holder can connect (not shown) by mobile device 401 or by another kind of the Internet, and visit is by the information of their shopping situation of description of account and record service 411 storages and tissue.

[239] current system also helps accounting of robotization more and accounting process.In the prior art, small enterprise's usage billing program (can be stored on the personal computer) prints the paper invoice, sends its client with the paper invoice again.Then, the client must pay this small enterprise, and this is usually undertaken by check in the prior art.In case received check, small enterprise must be related with check with account number.If account number does not write on the check, and the copy of invoice do not send with check, and then the time can be wasted in the coupling of the copy of attempting searching the Zhi Fuyu invoice.In case coupling, small enterprise deposits their bank with check, and data manually are input in their the accounts receivable accounting program.Obviously, this old process is very slow, and effort supports costliness.

[240] yet, utilize the present invention, the option of drawing a bill only need be selected by small enterprise, this option exports to invoice from accounting program, for example, OFX form, or other importings/derivation form that can read by accounting program.Then, this electronic invoice is sent to payment platform (referring to Fig. 3).Payment platform is created " Request Payment " message that sends to the client.When the client ratifies the payment of invoice, payment data by OFX beamed back accounting program in, and fund is put into the account of small enterprise.OFX message is charged to this in accounting program.Because client's accounts receivable sign is their telephone number, therefore, follows the tracks of and write down and simplify manyly.Should be noted that fund on the way can be guaranteed, the check of not returning, or other such problems.

[241] for the account payable transaction, account and record service 411 send OFX message, by illustration, an employee's cost reimbursement (T ﹠amp have been described; E) payment.Fund is transferred into this employee's account, and notifies to their mobile device transmission.Under the preferable case, the present invention has omitted the process that manually input is concluded the business each time in accounting program.

[242] Fig. 5 has shown the further implementation of the system that pays between the individual who moves.As discussed above, specific embodiment of the present invention by Web (for example allows user or client, pass through explorer), WAP (for example, by the mobile Internet browser on mobile phone, smart phone, the personal digital assistant device), SMS (for example, text message by mobile phone), IVR (for example, understand the interactive voice response system of user's voice response or tone from telephone key-press), WSDL (for example, the web services that can conduct interviews by the mobile device such as smart phone) is connected with mobile-payment system.

What [243] system can be by in a plurality of operators is any, as Verizon, Cingular (AT﹠amp; T), Sprint, Nextel, Alltel, Virgin Mobile, Amp ' dMobile, U.S.Cellular, T-Mobile and other operators are connected with wireless telephone.This service also can be connected with the advance deposit phone.Some advantages of mobile operator comprise: based on the income shared model of transmission or reservation; Promote application program download/purchase; Promote network or data to use; Promote SMS to use; Enable " Off bill " payment solution, will help to alleviate surprising " big bill " problem.

[244] mobile-payment system allows for the user many different financial services is provided.The example of some services comprises the payment (P2M) between credit card loading, debit card loading, Automatic Clearing House (ACH) loading, ACH unloading, person-to-person (P2P) payment, remote payment (RPAY), virus-type, individual and the businessman, and recommendation.Other services comprise that ATM (Automatic Teller Machine) (ATM) network loads and unloading, as by NYCE, PLUS, or the STARATM system.System can comprise that also bill payment is integrated, and wherein, the user can be by the interface of their selection, and for example, their mobile phone is paid bill, as wired TV bill, electricity charge list, Internet service bill, telephone bill, household services bill, and other bills.

[245] load the account and be meant, can carry out fund there and handle the account of funds transfer to the mobile-payment system.For example, the user can be loaded into fund user's mobile-payment system account from check account or credit card, and this mobile-payment system account can be managed by the financial cooperation partner, or is managed by the operator of mobile-payment system.

[246] unloading account be meant by, for example, atm network transfers into another account with fund from mobile-payment system, or transfers directly into the account holder.For example, the user can unload fund to check account or credit card from user's mobile-payment system account.

[247] loading and unloading fund can be carried out in any mode of being discussed among the application, comprise by ACH, ATM, or credit card or switching centre.ACH generally is the most cheap, and still, ACH is normally real-time, because fund was being settled accounts with batch mode when finishing in one day.So, when having asked the ACH funds transfer, actual funds will can not transferred accounts, and can not use mobile-payment system, when finished the same day yet.For ATM and credit card, funds transfer is real-time.ATM uses usually more expensive than ACH, but more cheap than credit card.Notice that ATM and ACH both can be used for the check account of calling party.Generally speaking, to use in the three be the most expensive to credit card.In one implementation, system of the present invention allows any network from these networks to load and unloading.In another kind of implementation, system only allows one or more loadings and the unloading from these networks, from ACH, only allows ACH and ATM as only, only allows credit card, only allows ATM, only allows ATM and credit card, or only allows ACH and credit card.

[248] person-to-person payment system of Yi Donging is further for providing one or more financial cooperation partners that platform is provided.These affiliates can comprise the acquiring party affiliate, as Pay by Touch (PBT), Verisign, or other; Bank or the affiliate of other financial institutions, as New York, San Francisco, San Jose (California), London, Shanghai, Hong Kong, or Bank of Tokyo, e-bank, NYCE; Direct affiliate's (as common brand advance deposit card); Advance deposit is handled the affiliate; And ACH affiliate.Mobile-payment system also can be connected with point of sale (POS) system.

Any amount of affiliate and the service that [249] can have above to be discussed, and any combination.For example, system can not have the affiliate, has only an affiliate, two affiliates is arranged, three affiliates, or the affiliate more than three.The unit bank affiliate who only provides for the debit card (that is faithlessness card) of mobile client visit can be provided in system.System can comprise to be provided for the debit card of mobile client visit and the unit bank affiliate of credit card.System can comprise two or more affiliates of bank, and one provides the debit card for the mobile client visit, and another provides different debit cards.System can comprise two or more affiliates of bank, and one provides the debit card for the mobile client visit, and another provides different debit card and credit card.The unit bank affiliate who only provides for the credit card of mobile client visit can be provided in system.The unit bank affiliate who only provides for the credit card of mobile client visit can be provided in system.

[250], a plurality of such affiliate's entities that are connected with mobile-payment system or network can be arranged for affiliate's (for example, debit card) of each type.For example, system can with two banks, A of bank and the B of bank, or the affiliate of bank of any amount connects.System can have any combination of the affiliate described in the application.For example, system can have direct affiliate and the affiliate of bank, but does not have advance deposit to handle the affiliate.System can only have advance deposit and handle the affiliate.System can only have direct affiliate.System can have a plurality of affiliates of bank.

[251] each affiliate system can have different electrical interface schemes, and mobile-payment system will use appropriate application program DLL (dynamic link library) (API) to communicate for each affiliate.System of the present invention allows financial cooperation partner (for example, the partner is done in the affiliate of bank, engaging) to be integrated into easily and to move and other consumer affiliates (for example, mobile-phone carrier).

[252] in the specific implementation mode of system, the acquiring party affiliate has balance account.The affiliate of bank has combined account and current account.Directly the affiliate has combined account and current account.Advance deposit is handled the affiliate and is had combined account and current account.The ACH affiliate has balance account.Mobile-payment system can provide combined account management, cross-bank clearing and capital management, and one or more in integrated of mobile banking.

[253] fund of system is represented by the summation of the combined account of all cooperative banks.By with the business relationship of mobile-payment system, mobile-payment system has promoted regular capital management to handle process, so that on behalf of them, the remaining sum that the combined account of cooperative bank keeps mobile-payment system customer group's contribution is added the number percent of the agreement of " other " mobile-payment system fund.The obtaining of client " path " stipulated the combined account remaining sum of given cooperative bank (that is, cooperative bank is many more by the client that " they " path obtains, and the remaining sum of the combined account of their association is just high more).

[254] user is related with specific financial cooperation partner (as specific bank) usually.In mobile-payment system, each user will have a subscriber data, and this subscriber data has this user's setting.These parameters can comprise the rank that (1) participates in, (2) which processor (for example, which financial cooperation partner), (3) speed setting, the account of (4) link, or any combination of these settings.Native system can comprise the parameter setting of any amount in subscriber data, more than described in the present patent application, or few.

[255] system of the present invention is applicable to the different financial cooperation partner (for example, 1,2,3,4,5,6,7,8,507,1001,2054,3096, or more) of any amount, and each affiliate can have different api interfaces.In each subscriber data, " which processor " is provided with and will points out that the user is related with which financial cooperation partner.When concluding the business for this user, system will know where transaction is pointed to (which bank) and used which API, so that user's exchange of value transaction (normally money exchange) is correctly handled.

[256] " rank of participation " setting is privilege or the service class that the user will have." rank of participation " is provided with can be based on several factors, as what information is provided when the user registers, how much the user has in his account, and the user has carried out the how many times recommendation, the user has carried out the how many times transaction, or the total charge number of the dollar of being concluded the business.This configuration file be provided with can be along with collecting new information regular update.Some examples of the rank title of user's participation can be " copper ", " gold ", " silver ", and " platinum " rank.Can make " rank of participation " as seen, and can be used for making up customer loyalty the user.In other embodiments of the invention, can hide the rank of participation, or otherwise unavailable to the user.

[257] when when system registers, system will provide the user to wish to reveal the selection of how much information to the user.For example, the user can select to reveal the user's mobile phone number, then, gives account's deposit funds of user in cash.In some embodiment at least, this is the required bottom line of opening an account.To provide the option of other information to the user, as e-mail address, credit number, social security number (for example, being used for the credit audit), check account number or the like.In a kind of implementation of the present invention, the user selects what of amount of the information reveal corresponding to other height of the participation level that gives the user.

[258] in one implementation, for participating in other setting of level, the user can be one of following four kinds of User Status: invite (1), register (2), (3) checking, and (4) are senior.In other implementations, extra state can be arranged.For the invitation state, the user recommends, or has sent " virus-type " fund to it." virus-type " is meant remittance or receives remittance, and wherein, some users did not register to system in the past." virus-type " user also can abbreviate non-member user or non-registered users as." virus-type " is meant a feature of mobile-payment system of the present invention, and this feature encourages or allow active user and non-member user to conclude the business.Along with increasing user registers and using system, the user will help diffusion news, and bring other user into.For example, in order to make non-member user receive fund, will encourage the non-member to register, perhaps the non-member must register, just can become the member.

[259] for login state, the user has imported essential information, as the phone of confirming.Phone can be confirmed in any suitable manner by system, comprises the telephone number that is provided when registering by the user is provided.This calling can be robotization or the IVR type call out.Register for the user, award can be arranged, obtain putting into the cash (for example) among this user's the account as the user.Award can abbreviate the recommendation bonus as, and can be any amount of money.The recommendation bonus can only be paid the recommendation people, only pays by the recommendation people, or pays to the both.In case registration, the user can receive and ask for fund.

[260] for proofing state, user's identity is known.The user provides address or other relevant contact details.The user can receive, ask, adds (that is, loading) or extract (that is unloading) fund under proofing state.

[261] for senior state, the user provides user's social security number.Under this state, for example, the user can register to the specific bank affiliate, to receive the card such as the advance deposit debit card.In other embodiments, card can be a credit card.In this implementation, the senior state user can do all that checking user institute can do, and adding can be at once consuming of accepting to block Anywhere.Depend on the mechanism that provides card, can pass through one or more networks, comprise Visa, MasterCard, American Express, NYCE, PLUS or STAR, or any combination of these mechanisms, accept or use card.Chain jamming is received user's account.Do not have the user of card can be called no card user, card user is arranged and there is the user of card to be called.

[262] some modes that people can obtain to verify when registering comprise: for personal information, system can require to provide address and driving license number.A kind of alternatives is that requirement provides address and social security number.Can contrast the database of the credit-reporting agencies such as the Equifax database, check this information.Can use the inquiry savings to come the bank account of link is verified.For example, system can put into several petty deposits user's account.The user tells the amount of money of those deposits of system, is authorized to use the account's of link checking as them.Perhaps, the user can verify that wherein, the user provides online screen name and password by online instant account verification.For adding credit or debit card, also can use to address inquires to save and verify.Some cards such as Visa and MasterCard also can code safe in utilization or the like be verified.

[263] speed of Can Yuing is a kind of setting that the account is provided with some restriction.Some examples of the restriction that the account is provided with have: the user can carry out the how many times transaction in one day, or how much amount of money of can transferring accounts at most in transaction once.Can use hard limit and soft restriction, wherein, hard limit will can not change with third-party interference (changing restriction as the people).Soft restriction can change along with user's operation.For example, after the user has become member six months,, can automatically allow the user can carry out five transaction in one day when user's last restriction is during less than certain numeral of 5.

[264] common, the user will can not have access to or know the setting of participation speed.Yet, in some implementation, can tell the information of subscriber-related participation speed, as credit line or transaction limits.

[265] Lian Jie account is another function that can be stored in user's the data.Yet any one user who is discussed among the application is provided with, or the combination of these users' settings, can be kept at independent position, not necessarily is placed in user's the data.The account of link is a kind of function of system, and wherein, a plurality of identity of user are focused on or be unified in single account.In typical scheme, for the user, a grappling (for example, as account number) is arranged, the grappling association therewith of a plurality of other identity.These identity can comprise a plurality of telephone numbers, e-mail address, the instant message identifier, or the like.The user needn't know account number or grappling, promptly addressable this account.The user can be by the account of any one related identity calling party.

[266] in addition, in one implementation, add identity to the account, the user will confirm the identity that each is new.This can be undertaken by the IVR callback, or responds SMS message under the situation that adopts telephone number.For Email, can be undertaken by sending an Email that has unique URL or identifying code (user responds with this) on our webpage.For instant message ID, can be undertaken by response IM.

[267] other available options can comprise the preference setting of some function in user's the data.Can be provided with or revise such option by the user at any time by visit accounts maintenance screen.In addition, can also inquire whether the user enables or forbid option in register flow path (vide infra).A function is to accept and manually accept function automatically.When automatic acceptance is opened, the payment that is remitted to this member will automatically be accepted.When manual acceptance was activated, the payment that is remitted to this member needed manually to accept or refusal.

[268] system flow

[269] Fig. 6 has shown the person-to-person payment in cooperative bank.This figure has shown a consumer A to another consumer B remittance, and wherein, these two consumers are the members of the same affiliate A of bank.Mobile-payment system of the present invention will be handled this transaction.

[270] Jiao Yi basic procedure is: (1) consumer A sends Payment Request to mobile-payment system.This Payment Request can send by any mode of being discussed in this patent.(2) among " T " or transaction record in the register system (SOR) of mobile-payment system renewal mobile-payment system, with the reflection transaction.These transaction records are managed by mobile-payment system.(3) system (for example, Obopay) is notified to payout status consumer B.This can pass through electronic notification, Email, instant message, SMS message, or other are notified and carry out.

[271] Fig. 7 has shown a kind of implementation of the person-to-person payment of cross-bank.This figure has shown consumer A to consumer B remittance, and wherein, these two consumers are members of the different affiliate of bank.Consumer A has fund in the account who is managed by the A of bank, and consumer B has fund in the account who is managed by the affiliate B of bank.Mobile-payment system of the present invention will be handled this transaction.

[272] Jiao Yi basic procedure is: (1) consumer A sends Payment Request to mobile-payment system.(2) mobile-payment system from the A of bank combined account to the A of bank current account allotted fund.(3) mobile-payment system from the B of bank current account to the B of bank combined account allotted fund.(4) mobile-payment system upgrades the T record in the register system of mobile-payment system, marking from the account of consumer A, and puts the account of consumer B under.(5) mobile-payment system is given consumer B with advise for payments.(6) mobile-payment system is regularly settled accounts between A of cooperative bank and B.These clearing can be carried out with cycle any time.Clearing can not carried out in real time, but carry out with batch mode.For example, can carry out once every 24 hours.Cycle must be the time cycle that equates not necessarily, and can be the different time cycles.Be also to be understood that order can change, especially for marking, put under, and notifying process.For example, in alternatives, can reserve, notify the consumer B, then, carry out funds transfer the fund among the account of consumer A.Particular order is unimportant, as long as can guarantee to exist good fund in each step.

[273] Fig. 8 has shown that the account of link loads.This figure has shown that the consumer utilizes the situation of the fund in another source to user's mobile-payment system account loading.For example, the user may wish the transfer fund to user's mobile-payment system account from check account or credit card.

[274] basic procedure of this transaction is: (1) consumer A sends " loadings " to mobile-payment system and asks, and points out taking-up fund in the credit that will link or the credit instrument.(2) (a/b) mobile-payment system is submitted real-time credit card (CC)/DDA conclude the business (good fund) to.(3) mobile-payment system from current account to the combined account allotted fund.(4) the T record of the consumer A in the register system of mobile-payment system renewal mobile-payment system.(5) mobile-payment system regularly carries out financial management.This management can be carried out with cycle any time.For example, can carry out once every 24 hours.As mentioned above, the cycle not necessarily must be the time cycle that equates.

[275] Fig. 8 has also shown the concrete example that credit card loads.From Web, the user imports credit number, in the MPS card that $300 is loaded into the user.MPS from, for example, the mandate of the credit card trade of Pay-By-Touch (PBT) Huo Qu $300.MPS sends message first to the financial cooperation partner who supports the MPS card, starts the person-to-person payment of the debit card account De $300 from the MPS credit card account to the user.Fund is put immediately under user's account.PBT settles accounts credit card trade, and to the MPS balance account account transfer $300 of the bank that is positioned at the MPS that handles balance account ACH.MPS is to MSP credit card master account account $300 ACH, with replenishment of funds.

[276] Fig. 9 has shown account's unloading of link.This figure has shown that the consumer is unloaded to fund another account's situation from user's mobile-payment system account.For example, the user may wish check account, the credit card to the user from user's mobile-payment system account, or other accounts shift some funds.

[277] basic procedure of this transaction is: (1) consumer A sends load request first to mobile-payment system, and the credit instruments of pointing out to link are as target.(2) mobile-payment system is submitted real-time DDA transaction (good fund) to.(3) mobile-payment system from combined account to the current account allotted fund.(4) the T record of the consumer A in the register system of mobile-payment system renewal mobile-payment system.(5) system regularly carries out financial management.

[278] in a particular embodiment, the present invention relates to payment system, specifically, in a particular embodiment, relate to the on-line system that uses mobile phone to pay.

[279] as previously discussed, in some embodiment at least of this person-to-person payment system, the existing member of payment system can pay to non-member (also can abbreviate non-registered users as), becomes the member to wish the non-member.This ability of payment system can be called " virus ", because it can promote new member registration.Some elements of viral function comprise following, do not list by any particular order.

[280] (1) payment system allows existing member to remit money to the non-member by some unique identifiers or " ID ".This unique identifier can use at large.Some examples of such identifier (for example comprise e-mail address, telephone number, landline road, IP phone, mobile phone, pager or facsimile recorder), social security number, account number, registration number, the instant message user name, and other.Identifier can be selected by the user, selects a telephone number or e-mail address as the non-member.

[281] (2) payment system is notified existing member, and the people that they promptly will carry out " remittance " transaction with it is the non-member, and gives the chance that existing member cancels this transaction.

[282] (3) are selected under the situation of non-member's remittance existing member, and payment system is notified the non-member, have converged money to them.Notice can be passed through any common communication mechanism (as Email, voice, SMS, IM reach other) and carry out.

[283] fund that (4) payment system should allow " by inviting " non-member to accept or refusal is attempted transferring accounts from existing member.

[284] (5) if accepted fund by the non-member that invited decision from existing member, and so, payment system provides and allows the non-member also be the ability of registering by common communication mechanism (as Email, voice, SMS, IM, and other).

[285] (6) in order to finish virus-type transaction, and payment system promotes the account's transfers to new member from existing member's account the most at last.

[286] below a plurality of embodiment that are used in payment system, carrying out the technology of virus-type funds transfer.In the example below, Obopay is used as the example of specific payment system, still, also can use other payment systems.Payment system can be called any title.Particularly point out the obopay.com website, still, can use any suitable website, web site name, or the IP address.In addition, the present invention also can be used for the environment of other network infrastructures, and is not the Internet.These examples are replenishing of example that the front is discussed.

[287] the automatic allocation of the funds of embodiment 1A-

[288] account of unregistered user B automatically is injected into fund when the result as following step registers:

[289] 1. existing member user A decision invites non-member user B to add by remitting money for user B, and wherein, B must could receive fund by being registered as the member.

[290] 2. user A sends payment transaction by a Mobile Directory Number and dollar amount of money of insertion user B to user B.System can not distinguish the payment to member and non-member at first.

[291] if 3. Mobile Directory Number does not mail to current member, then user A receives following message, and " note: your meeting non-member's payment is pending.”

[292] 4. user A also receives the Email of following statement: " thank to your recommendation." we have got in touch your friend and have invited him to register to our system.”

[293] 5. from the account of A, mark, and be retained, wait for the registration of user B to the money transfer amount of user B.

[294] 6. user B receives message first, illustrates that user A has converged money to him, and user B can be by registering and the acquisition fund at obopay.com.

[295] 7. user B in the payment system website or other interfaces register.

[296] 8. after user B successfully registers, the account of user B automatically has been injected into the transfer funds of user A.

[297] embodiment 1B-request payment

[298] Figure 10 has shown payment system and person-to-person payment, and wherein, non-member user must be provided when registering by the payment that provides, and is described as following step.

[299] 1. existing member user A decision invites non-member user B to add by remitting money to B, and B must could receive fund by being registered as the member.

[300] 2. user A sends payment transaction by a Mobile Directory Number and dollar amount of money of insertion user B to user B.System can not distinguish the payment to member and non-member at first.

[301] if 3. Mobile Directory Number does not mail to current member, then user A receives following message, and " note: non-member user has been issued in your account transfer.Are you ready that we invite them to add? be/not.”

[302] if 4. the answer of step 3 is yes, then user A also receives the Email of following statement: " thank to your recommendation.We have got in touch your friend and have invited him to register to our system.”

[303] 5. payment can not mark from the account of user A.

[304] 6. user B receives message first, illustrates that user A has invited user B to add system, so that user A can give user B remittance.

[305] 7. user B registers in system website or other interfaces.

[306] 8. after user B successfully registers, notify the user B, user A wishes the remittance to him, user B can carry out " Request Pay " to this payment.If user B agrees, show a Request Pay transaction of filling in advance then for user B, have the telephone number of A, and original payment.

[307] 9. user A receives " Request Pay ", and agrees this payment.

[308] 10. mark fund, and put the account of user B under from the account of user A.Be notified to user B.

[309] embodiment 2-individual reservation fund virus-type-existing member of permission reserves fund, and this reserves for " virus-type " payment.For example, the user can transfer to the dollar of the some among user's the account, to carry out " virus-type " transaction.These funds will can not can be used for " non-virus-type " transaction (for example, spending by debit card).In one implementation, the user can be by the amount of money of user account maintenance function change reservation.

[310] the complete viral life cycle of embodiment 3--session virus-type-occur in real time is notified to both sides with on the way another person's " step ".Then, final funds transfer is two account transfers between the member.

[311] member that the virus-type of embodiment 4-agreement-existing member's acceptance and guarantee is invited (if they the registration, and when they register).Existing member's fund will be reserved, so that in case follow-up payment is carried out in the member registration of being invited.

[312] embodiment 5-separation fund virus-type-payment system by the fractionation of providing with funds, irritates existing member, to carry out the virus-type payment, wherein, payment system is passed through to fix or relative amount, coupling payment.

[313] embodiment 6-request fund virus-type-be not that existing member remits money to the non-member, but existing member asks remittance from the non-member.

[314] embodiment 7-negotiation-existing user A wishes to remit money to non-member user B.User A uses the suitable identifier of user B to ask to remit money.Notify user B that pending payment is arranged, and invite user B to be registered as the member.In addition, the option of consulting one or more clauses of transaction with user A is provided for user B.Negotiable clause can comprise the amount of money of account transfer, with the bank that opens an account, the distribution that recommendation takes, or the like.In alternatives, which clause user A is allowed to select, and they will be ready to hold consultation with user B, partly encourage user B to register.

[315] implementation of the present invention can comprise any in the function as described above.In system of the present invention, can realize top embodiment in combination respectively or with any other embodiment.

[316] the specific implementation mode has been described and has been used the identifier of Mobile Directory Number as the user.Yet, for each user, can use any identifier, as any telephone number (for example, home phone number, office telephone number, IP phone telephone number, facsimile recorder or pager), e-mail address, instant message user name, social security number, driving license number, membership number, credit number, debit card number, or other.

[317] Email has been discussed as the technology that between the user, sends message, still, also can have been used other communication technologys, comprised voice mail, automated voice message, instant message, or text message.Two representatives among a lot of users that user A and user B only can have as system.System of the present invention can have the user of any amount.

[318] Fig. 1 has shown an overview block diagram, and this block scheme has been described the mobile-payment system that utilizes between two or more people of the present invention.In an embodiment of system of the present invention, user A remits money to user B by unique identifier or ID.Unique identifier can use at large.Example comprises telephone number (for example, landline road, IP phone, mobile phone, pager or facsimile recorder), e-mail address, social security number, account number, registration number, the instant message user name, and other.This identifier can be used for contact user, is independent of through system of the present invention (for example, telephone number or e-mail address can be contacted directly the user, and not relate to native system).

[319] each unique identifier can be only related with a user, to guarantee account and security of system.User A also can provide the details of financial transaction, as the amount of money that will transfer accounts, or the form of payment, or the combination of these details, if the requests verification account then should also provide the PIN number.

[320] system is designated the member with user A, in some implementation, checks the PIN number, verifying account, and the account's of inspection user A remaining sum.Account at user A does not have enough funds to carry out under the situation of financial transaction, and system sends an electronic notification to user A, and insufficient funds are described.Conclude the business if the account of user A has enough funds, then system also gives user B by any suitable link (comprising mobile technology) with pending Notice Of Transactions.Because the instant electronic notification that user A and B receive, they will feel, financial transaction almost at once, or in real time or be close to and carry out in real time.

[321] in one embodiment, system can allow the user that the preference of the acceptance of relevant transaction is set.If user B has selected automatic acceptance setting (selected when the user registers) in system, be used for automatically accepting payment, fund transfers into the account of user B immediately from the account of user A.If user B has selected manual acceptance setting, then only just account transfer after user B approval transaction.System can comprise that also the user stipulates that they accept transaction with a member from appointment, and is perhaps opposite, the setting that they will can not accept to pay from the member of appointment.

[322] if in the certain fate (as 30 days) that is provided with by system also not approval transaction of user B afterwards, then some embodiment at least of system can be configured to automatically Cancel Transaction.In such scheme, system sends electronic notification to user A and user B, notifies them, and transaction is cancelled.User B also can have the option of refusal transaction, under these circumstances, by electronic notification, notifies the user A, refusal to pay.

[323] have under the situation of enough funds at user A, user B accepts transaction, marks this amount of money from the account of user A, and puts the account of user B under.In certain embodiments, depend on the mode of safeguarding the account, because the intrinsic delay in the electronic financial business system, finishing of transaction can be delayed.

[324] presented the concrete example of some flow processs in this application.Yet, should be appreciated that the specific flow process and the step that the invention is not restricted to present here.Flow process of the present invention can have the other step of not necessarily describing in this application, the different step of some steps that replacement presents, the subclass of less step or the step that presents, the step different, or any combination of these situations with the order of the step that presents.

[325] in addition, the step in other implementations of the present invention needn't be identical with the step that is presented.As a specific example, for illustrate convenient for the purpose of, employing be that the Mobile Directory Number of user B is as unique or electronic identifier (ID).In other embodiments of the invention, identifier is not limited to the telephone number of user B.Perhaps, identifier can be instant message user name, the e-mail address of user B, or any other suitable identifier.

[326] under the situation that does not depart from scope of the present invention, another example of the possible variation in the flow process is the particular message that receives in user A and the B various steps on stream.In other embodiments of the invention, these message can be different from those message that particularly point out in this application, and perhaps, some message will can not be sent out, and these message can combine.

[327] Figure 11 has shown and has been used for the embodiment that carries out transaction method between card member and the non-registered users having.This flow process comprise the following steps: (1) member A with non-member B as target, send " pay " request to the mobile payment service server.(2) mobile payment service identifiers transaction source A be the member, and the account of member A is verified, checks remaining sum, and inspection PIN.(3) mobile payment service recognition objective is the non-member.(4) the mobile payment service is given source member A with advise for payments.(5) the mobile payment service is given target non-member B with advise for payments.(6) (a/b) the mobile payment service marks from the member card account, and puts the virus-type combined account under.(7) (a/b) mobile payment service log source member marks transaction, and the record object virus-type puts transaction under.Step 6 and 7 can be asynchronous server end thread.This means that in one embodiment, these operation exception ground carry out.The server requests operation, but they are not necessarily by server execution itself, and so, finishing of operation is independent of the called side server processes.

[328] Figure 12 has shown and has been used for the alternative approach of concluding the business between card member and the non-registered users not having.This embodiment comprise the following steps: (1) member A with non-member B as target, send " pay " request to the mobile payment service server.(2) mobile payment service identifiers member A is the member, and his account is verified, checks his remaining sum, and checks his PIN.(3) mobile payment service recognition objective is the non-member.(4) the mobile payment service is given source member A with advise for payments.(5) the mobile payment service is given target non-member B with advise for payments.(6) (a/b) the mobile payment service marks from member's combined account, and puts the virus-type combined account under.(7) (a/b) mobile payment service log source member marks transaction, and the record object virus-type puts transaction under.Step 6 and 7 can be asynchronous server end thread.

[329] Figure 13 has shown that not having card member and another at one does not have between the card member and carry out transaction method.The flow process of this embodiment comprises: (1) member A sends " pay " request for member B.(2) mobile payment service identifiers transaction source A is the member, and the account is verified, checks remaining sum, and checks PIN.(3) mobile payment service recognition objective B is the member, and the account is verified.(4) the mobile payment service is given source member A with advise for payments.(5) the mobile payment service is given target members B with advise for payments.(6) (a/b) mobile payment service log member A marks transaction, and record member B puts transaction under.Step 6 can use async server end line journey to carry out.

[330] Figure 14 has shown that being used for having card member and another to have at one carries out transaction method between the card member.The flow process of this embodiment comprises: (1) member A as target, sends " pay " request to the mobile payment service server with member B.(2) mobile payment service identifiers transaction source A is the member, and the account is verified, checks remaining sum, and checks PIN.(3) mobile payment service recognition objective B is the member, and the account is verified.(4) the mobile payment service is given source member A with advise for payments.(5) the mobile payment service is given target members B with advise for payments.(6) (a/b) the mobile payment service marks from member A card account, and puts member B card account under.(7) (a/b) mobile payment service log member A marks transaction, and record member B puts transaction under.Step 6 and 7 can be asynchronous server end thread.

[331] Figure 15 has shown that having card member and a nothing to block between the member at one carries out transaction method.The flow process of this embodiment comprises: (1) member A as target, sends " pay " request to the mobile payment service server with member B.(2) mobile payment service identifiers transaction source A is the member, and the account is verified, checks remaining sum, and checks PIN.(3) mobile payment service recognition objective B is the member, and the account is verified.(4) the mobile payment service is given source member A with advise for payments.(5) the mobile payment service is given target members B with advise for payments.(6) (a/b) the mobile payment service marks from member A card account, and puts member's combined account under.(7) (a/b) mobile payment service log member A marks transaction, and record member B puts transaction under.Step 6 and 7 can be asynchronous server end thread.

[332] Figure 16 has shown that not having card member and one at one has and carry out transaction method between the card member.The flow process of this embodiment comprises: (1) member A as target, sends " pay " request to the mobile payment service server with member B.(2) mobile payment service identifiers transaction source A is the member, and the account is verified, checks remaining sum, and checks PIN.(3) mobile payment service recognition objective B is the member, and the account is verified.(4) the mobile payment service is given source member A with advise for payments.(5) the mobile payment service is given target members B with advise for payments.(6) (a/b) the mobile payment service marks from member A card account, and puts the card account of member B under.(7) (a/b) mobile payment service log member A marks transaction, and record member B puts transaction under.Step 6 and 7 can be asynchronous server end thread.

[333] Figure 17 has shown unregistered user has been carried out process registration.This flow process comprises: (1) following member A submits register requirement to.(2) create new member account.(3) for new member, carry out the identity risk control, and updated account correspondingly.(4) check the viral record related with new member.(5) (a/b) the mobile payment service marks from the virus-type combined account, and puts member's combined account under.(6) (a/b) mobile payment service log source virus-type marks transaction, and the record object member puts transaction under.(7) check the award that is applicable to new member.(8) (a/b) the mobile payment service marks amount of money award from reward the account, and puts member's combined account under.(9) member that the mobile payment service log is new puts amount of money award under.Step 5,6 and 7 can be asynchronous server end thread.

[334] Figure 18 has shown the method that activates the card that the account to the member sends.This flow process comprises: (1) member A receives the card of mailing, and dials " mobile payment service " IVR, activates.(2) in IVR reciprocal process, the mobile payment service is closed does not have the card account.(3) (a/b) the mobile payment service marks from member's combined account, and puts a new member A people under and block the account.(4) (a/b) mobile payment service log member combined account marks transaction, and record member A puts transaction under.(5) mobile payment service system sends to member A and closes the movable statement of no card Email.Step 3 and 4 can be asynchronous server end thread.

[335] in one implementation, the in-plant E-Payment of system handles is used NFC, bluetooth, RFID, infrared beam, LED light beam as passing through, or other near field technique.For example, member A and B health are close to each other, and they wish to pay by mails.This can be the situation between consumer and consumer or consumer and the businessman.Equally, transaction can be remittance, gathering, or any other funds transfer situation.

[336] basic procedure of such transaction is: (1) user A and B agree to carry out closely electric payment transaction.(2) user B selects " being ready to closely collect money ".Equipment query PIN, user B imports PIN, device activation receiving mode.(3) user A selects " being ready to closely pay the bill ".Equipment query PIN, user A imports PIN, device activation payment mode.(4) user A and B with equipment be placed on suitable closely in.User A and B have only the limited amount time to carry out this step, otherwise equipment is with overtime.(5) equipment of user A and B is discerned each other, and transmits payment information towards each other.(6) the affirmation dialog box on user A and the B examination equipment, and selection " affirmation ".(7) payment transaction begins.

[337] system allows by all kinds of means and strides the channel transaction.Specifically, can pay from any one available channel (for example, mobile phone, instant message, Email, Web, debit card, WAP, SMS, message, or special-purpose mobile telephone application) request, transaction can be to point to any one available channel, with any combination.For example, someone can be from instant message to mobile phone, from Web to mobile phone, from mobile phone to instant message, from WAP to instant message, from instant message to Email, from Email to mobile phone, from Email to instant message, from Web to SMS, from SMS to Email, or any other combination, request is paid.Native system also can be used for paying by payment terminal, interactive site, by TV is that service or media content (are for example paid, for the movies on demand that is provided by CATV (cable television) or satellite provider is paid), by the advance deposit phone, and many other means are paid.For example, the user can pay businessman by instant message.Native system can be supported charge by automatic vending machine, parking meter, retail kiosk, automatically public telephone, plane ticket ticket booth, and many other means are paid.

[338] in the specific implementation mode, mobile-payment system does not allow the user of existing registration to pay from unregistered user's request.In another embodiment, the user is allowed to pay from unregistered user's request.

[339] Xia Mian flow process A has shown a kind of implementation of concluding the business between user (user A) who registers and unregistered user (user B).

[340] flow process A

Step	Operation
			1	Existing user A determines to converge some moneys to user B (unregistered user).A utilizes the Mobile Directory Number of B to send message and dealing money first to mobile-payment system.
2	Mobile-payment system checks whether the account of A has enough funds and finish transaction.
		3	If insufficient funds then send message first to A: " insufficient funds.[tel #], [value], [trans #] " B can not receive message.If enough funds are arranged, then enter next step.
4	Check that B is the user or the unregistered user of registration.If the Mobile Directory Number of B is not identified as the user of registration, then A receives following message: " your request is accepted, with processed.[tel #], [value], the pending non-registered users of [trans #] request."
		5	Account at A reserves this dealing money.
6	B receives following message: " payment is arranged, pending, from [tel #], [value], the registration of [trans #] system website of inviting."
		7	Before B approval payment, A can cancel payment.If so, will send message to A and B: " payment is cancelled.[tel #], [value], [trans #] " if after A starts transaction and over and done with more than 30 days before B approval payment, then transaction is cancelled automatically.Then, will send message to A and B: " payment is cancelled.[tel #], [value], [trans #] ＂
	After past 30 days, the reservation of the dealing money among the account of elimination A.
		8	B registers to mobile-payment system.In system, create an account for B.
9	After B successfully registered, notice B illustrated that A wishes to remit money to B.Provide a picture to B, inquiry B is the payment of accepting A, the payment of refusal A, and still request is changed the pending transaction of A.
		10	If B rejects payment, then transaction cancellation sends message first to A: " payment is rejected.[tel #], [value], [trans #] "
11	If B asks change, then will present a picture to B, B can consult or ask the clause of the transaction of A is changed.If B does not ask change, then enter step 13.
		12	If B wishes change transaction (for example, the change dealing money), then send the message of the relevant change of proposing first to A.A can accept or refuse the change of the proposal of B.
13	If B accepts the payment from A, then whether systems inspection A has enough funds and finishes transaction.If no, will send message: " insufficient funds to A and B.[tel #], [value], [trans #] "
		14	If A has enough funds, will send message to A: " payment is accepted.[tel #], [value], [trans #] "
15	Mark dealing money from the account of A, and put the account of B under.

[341] in the superincumbent step 1, user A passes through the Mobile Directory Number of user B to mobile-payment system identifying user B.In other implementations of the present invention, user A can pass through other means, as e-mail address, the instant message title of user B, or other unique identifiers, come identifying user B.These identifiers can be the electronic mark identifiers, can be the identifiers that perhaps is used for even identifies in the environment outside of mobile-payment system B.In other words, identifier not necessarily has only (for example, the account number) that mobile-payment system just has.

[342] in step 2, mobile-payment system checks whether the account of A has enough funds and finish transaction.Mobile-payment system also can be carried out PIN and account verification or other verification steps, is not suspended with the account who guarantees A, has enough funds or the like.For clarity sake, be omitted in the superincumbent flow process of these steps.

[343] in step 3, mobile-payment system is by SMS message informing user A, insufficient funds.In another embodiment of the present invention, user A can receive this message by other technologies, as Email, SMS message, or other forms of mobile communication.In certain embodiments of the present invention, the user can must not receive this message, as when user A decision and the message to system points out not receive.This flow process also can be applied to Email payment system or other payment systems, and is mobile, non-moving (that is, the situation that mobile phone is not participated in business), or other pattern.

[344] in step 4, mobile-payment system determines that user B is unregistered, and gives user A with this advisory.In another embodiment of the present invention, system can allow user A to send payment to user B, no matter the unregistered state of user B so, can be skipped this step.

[345] in step 5, mobile-payment system is reserved this dealing money on the account of A.Dealing money can not mark from the account of A, marks in step 15 up to this transaction.

[346] in step 6, send message first for unregistered user B by mobile-payment system, request user B registers to system.This message can be passed through SMS message, Email, MMS message, instant message, or other forms of mobile communication sends in the mobile phone of user B.

[347] in step 7, the option that can cancel payment before user B accepts payment is provided for user A.System also can be configured to, if after user A pays and user B accept before the payment over and done withly more than 30 days, then payment was automatically lost efficacy.The fate that transaction automatically is cancelled can change.For example, fate can be any numeral, as 5,10,14,15,16,21, or greater or less than 30.Depend on implementation, user A and B needn't the notified message that they conclude the business and have cancelled.

[348] in step 8, when user B registered, system was a user B create account user.In another embodiment of the present invention, system can not require that user B registers to system, but can be automatically with the bank account of systematic connection to user B.

[349] in step 9, only at user B after system registers, send relevant user A request just for user B and send the message of payment.In another embodiment of the present invention, user B receives the message of the payment of relevant user A, need not to register to system.

[350] in the step 10 of current embodiment, send the SMS message that relevant user B Cancels Transaction for user A.In another embodiment of the present invention, system sends different message for user A, can send by other forms of mobile communication.

[351] in step 11, change in some way is provided or has revised the option of concluding the business to B.In one implementation, "Yes" button, "No" button are provided for user B, and " request change " button.Perhaps, " request change " button can be called " negotiation " button, because by the chance of one or more clauses of changing transaction is provided, the chance of consulting with user A is provided for user B.Some clauses of the transaction that user B can seek to change comprise the amount of money, which account are fund put under among, and the distribution that recommendation takes, and what bank is with account executive.

[352] in step 12,, send the notice of a relevant change of proposing then for user A if user B request is changed transaction.Give the chance of the change of the proposal that user A provides acceptance or refusing user's B.In one embodiment of the invention, user A utilizes system may select the change that automatically declines an offer in his initial setting up.Then, send the message that user A refuses to change automatically can for user B.If user A refuses change, no matter be manually or automatically, the option that sends the change of another proposal to user A is provided can for user B, perhaps, the chance of accepting original transaction is provided also can for user B.As required, these steps can repeat, and up to reaching an agreement, perhaps Cancel Transaction.If reach an agreement, then forward step 13 to.

[353] in step 13, mobile-payment system is checked the account of user A once more, with the checking fund, if suitably, and then by SMS message informing user A, insufficient funds.In another embodiment of the present invention, user A can receive this message with other forms, as Email, MMS message, or other forms of mobile communication, perhaps, also can not receive this message.If the account of user A has enough funds, then forward step 14 to.

[354] in step 14, send a SMS notice that is similar to receipt for user A, notify him to conclude the business and finish.In another embodiment, send other forms of notice can for user A, as by Email, instant message, MMS message, or other forms of mobile communication.Some embodiment of system returns user B and sends notice, and transaction is finished, though in certain embodiments, the notice of not finishing needs to send.

[355] in step 15, carry out funds transfer.Depend on implementation, putting and mark transaction under needn't carry out in real time.Because the inherent delay in the electronic funds system, transaction may be after handling beginning about 60 seconds or manyly just can finish.

[356] depend on the design preference of specific implementation mode, the step of any amount among the flow process A with any combination, can be got up with any other mobile-payment system path combination, other flow processs that comprise among the application being discussed.

[357] Xia Mian flow process B has shown the another kind of implementation of carrying out transaction method between user (user A, member) who registers and unregistered user (user B).

[358] flow process B

Step	Operation
			1	Existing user A determines to converge some moneys to user B (unregistered user).A utilizes the Mobile Directory Number of B to send message and dealing money first to mobile-payment system.
2	Mobile-payment system checks whether the account of A has enough funds and finish transaction.
		3	If insufficient funds then send message first to A: " insufficient funds.[tel #], [value], [trans #] " B can not receive message.If enough funds are arranged, then enter next step.
4	Check that B is the user or the unregistered user of registration.If the Mobile Directory Number of B is not identified as the user of registration, then A receives following message: " your payment is pending.Non-registered users must be opened an account.[tel #], [value], [trans #] "
		5	B receives following message: " you receive money! [tel #], [value], the registration of [trans #] system website of inviting."
6	Initial personal account from A marks funds transaction, and puts the B in the non-registered users combined account under.
		7	If mark and put under Fail Transaction, send message then for A and B: " payment failure.[tel #], [value], [trans #] " otherwise, mark and put under the trade fair success.Do not send message.
8	If over and done with more than 30 days and also not registration of B after A starts transaction, then transaction is cancelled automatically.Then, will send message to A and B: " payment is cancelled.[tel #], [value], [trans #] " above step 6 in the transaction that marks and put under of request put upside down.To put the personal account of A from the dealing money that the non-registered users combined account obtains under.
		9	B registers in system website, and becomes registered no card user.Fund transfers into nothing engaging and the account of B from the non-registered users combined account.
10	For B makes the plastics debit card, and send B.
		11	After B received card, B activated this card by dialing interactive voice response (IVR) system.In activation, when B was connected to the IVR system, fund was not from there being the personal account that engaging and account transfer into B.

[359] implementation among the flow process B is similar to top flow process A.Yet A is different with flow process, and flow process B does not reserve the dealing money (step 5) of flow process A in the account of A.In the step 4 of flow process B, because do not have to reserve in the account of A and do not mark from the account of A, money still can spend by mobile payment or debit payments for user A, up to successfully mark dealing money from the account of user A in step 6.

[360] in step 5, send the message of relevant transaction first for user B, and require user B to register to system.

[361] in step 6, fund is marked.Depend on implementation, such transaction can be asynchronous thread, because the inherent delay in the electronic funds system, transaction may be after handling beginning about 60 seconds or manyly just can finish.The amount that postpones is uncertain, because there is the various factors influence to postpone.Generally speaking, postponing approximately is 60 seconds, and still, if for example, electrical network breaks down, then postponing will be much bigger.

[362] specifically, the payment processes of system needn't be carried out with the method for synchronization.A certain amount of requests verification at first will be carried out.In one implementation, the notice that sends to the consumer can point out that request is accepted, and will handle at once.Async server end line journey will start, with the actual treatment Payment Request.In one implementation, send notice to the user after, carry out asynchronous thread.This can provide the response of relevant transaction faster to the user.The asynchronous part of payment processes may be failed.For example, this may be to use and cause insufficient funds to cause owing to card time.Under the situation of asynchronous payment processes failure, will notify the user.

[363] in one implementation, two kinds of combined accounts are arranged, (i) non-registered users combined account does not (ii) have engaging and account.All non-registered users funds will be incorporated in the non-registered users combined account.If user A is the no card user that does not also have personal account, then the fund of A will leave in does not have among engaging and the account.In another kind of implementation of the present invention, non-registered users combined account and nothing engaging and account have single combined account.In another embodiment of the present invention, account to A and B in combined account puts under and marks, and " secret room " bank transaction of management normally utilizes the other system transaction jointly to carry out at when finishing in one day (or another special time) in batches in the affiliate of bank (affiliate handles debit card).

[364] in another kind of implementation of the present invention, single combined account type is arranged, wherein, there are two kinds of users of non-registered users and no card user to exist.For the funds transfer between such user, fund will rest in the same combined account.In another implementation of the present invention, two or more combined account types is arranged.

[365] in step 9, after B registered, B became no card user.As no card user, B can remit money as the user of registration and receive remittance.Yet because B does not also receive his card, therefore, B can not be by sticking into row consumption.In one implementation, after successfully registering, user B in 24 hours, creates the personal account of user B.Yet the account will not have fund, be activated in its step 11 below.In another embodiment of the present invention, do not use and do not have engaging and account, fund directly transfers into the account of user B from user A account.

[366] in step 10, need usually to spend about 7 to 10 working days, make new card, user B receives it by mailing.In another embodiment of the present invention, user B receives another kind of card, as credit card, also can select not receiving card.

[367] in step 11, when user B activated his card, user B became the user that the card registration is arranged, and no longer is no card user.In not using the embodiment that does not have engaging and account, when card is activated, do not need the remaining sum of transferring.

[368] Xia Mian flow process C has shown the another kind of implementation of carrying out transaction method between user (user A, member) who registers and unregistered user (user B).

[369]

Step	Operation
			1	Existing user A determines to converge some moneys to user B (unregistered user).A utilizes the Mobile Directory Number of B to send message and dealing money first to mobile-payment system.
2	Mobile-payment system checks whether the account of A has enough funds and finish transaction.
		3	If insufficient funds then send message first to A: " insufficient funds.[tel #], [value], [trans #] " B can not receive message.If enough funds are arranged, then enter next step.
4	Check that B is the user or the unregistered user of registration.If the Mobile Directory Number of B is not identified as the user of registration, then A receives following message:
			" your request is accepted, with processed.[tel #], [value], the pending non-registered users of [trans #] request.＂
5	B receives following message: " payment is arranged, pending, from [tel #], [value], the registration of [trans #] system website of inviting."
		6	Before B approval payment, A can cancel payment.If so, will send message to A and B: " payment is cancelled.[tel #], [value], [trans #] " if after A starts transaction and over and done with more than 30 days before B approval payment, then transaction is cancelled automatically.Then, will send message to A and B: " payment is cancelled.[tel #], [value], [trans #] "
7	B registers to system.In system, create an account for B.
		8	After B successfully registered, notice B illustrated that A wishes to remit money to B.Provide a picture to B, whether inquiry B accepts the payment of A.
9	If B rejects payment, then transaction cancellation sends message first to A: " payment is rejected.[tel #], [value], [trans #] "
		10	If B accepts the payment from A, then whether systems inspection A has enough funds and finishes transaction.If no, will send message: " insufficient funds to A and B.[tel #], [value], [trans #] "
11	If A has enough funds, will send message to A: " payment is accepted.[tel #], [value], [trans #] "
		12	Mark dealing money from the account of A, and put the account of B under.

[370] implementation among the flow process C is similar to top flow process A.Yet A is different with flow process, and flow process C does not reserve the dealing money (step 5) of flow process A in the account of A.The above discussion to flow process A and B also correspondingly is applicable to flow process C.

[371] in one implementation, although the payment of A is pending,, A also is allowed to the cancellation payment, and correspondingly notifies to B.In step 8, having under the situation of a plurality of pending payments, can present the tabulation of pending payment to B, and require B to point out to accept or each pending payment of refusal.If (for example, the failure of step 12) contingency is then with both advised for async server end line journey.

[372] Xia Mian flow process D has shown a kind of implementation of carrying out transaction method between user (user A) who does not have card and no card user (user B).

[373] flow process D

Step	Operation
			1	Existing user A (do not have card registration user) decision converges some moneys for user B (no card user).A utilizes the Mobile Directory Number of B to send message and dealing money first to mobile-payment system.
2	Mobile-payment system checks whether the account of A has enough funds and finish transaction.
		3	If insufficient funds then send message first to A: " insufficient funds.[tel #], [value], [trans #] " B can not receive message.If enough funds are arranged, then enter next step.
4	Check that B is (do not have card or card is arranged) user or non-registered users of registration.Send following message: " you receive money because B is the user of registration! [tel #], [value], [trans #] "
		5	Check that B is the user who does not have the user of card registration or the card registration is arranged.Because B is no card user, begins A from no card user combined account and mark transaction funds and put B in the no card user combined account under.
7	If mark and put under Fail Transaction, send message then for A and B: " payment failure.[tel #], [value], [trans #] "
		8	If B has opened automatic acceptance, then the A of fund from do not have engaging and account transfers into B.Do not send message.
9	If B has closed automatic acceptance, then mark and put under transaction and only after B approval transaction, just carry out.
		10	If over and done with more than 30 days and also not approval of B after A starts transaction, then transaction is cancelled automatically.Then, will send message to A and B:
	" payment is cancelled.[tel #], [value], [trans #] " if B rejection payment, then transaction cancellation sends message first to A: " payment would be rejected.[tel #], [value], [trans #] "
		11	If B accepts transaction, and A and B be still no card user, and then the A of fund from do not have engaging and account transfers into B.If B accepts transaction, and A is no card user, and B has card user, and then the A of fund from do not have engaging and account transfers into the personal account of B.If A and B both have become card user is arranged, then fund transfers into the personal account of B from the personal account of A.If A has become card user is arranged, still, B is still no card user, and then fund transfers into the B that does not have engaging and the account from the personal account of A.

[374] remarks that provided above also correspondingly are applicable to flow process D.For example, in step 3, in the account of A, do not reserve dealing money.Can from the account of A, not mark dealing money.Up to successfully mark dealing money from the account of A in next step before, money still can spend by mobile payment or debit payments for user A.

[375] in certain embodiments, user B can be provided with white list or blacklist.The white list regulation, B accepts payment with a user's (can be stored in user's the data) from appointment.The blacklist regulation, B will can not accept payment from member's (yet can be stored in user's the data) of appointment.Various implementation of the present invention can have only white list, have only blacklist, or white list and blacklist are arranged.Unwarranted or be prevented from remitter is because white list or blacklist after they attempt the payment failure, will notify them that mistake has taken place.

[376] Xia Mian flow process E has shown the user (user A) who does not have the card registration and a kind of implementation of concluding the business between the card user (user B) has been arranged.

[377] flow process E

Step	Operation
			1	Existing user A (do not have card registration user) decision converges some moneys for user B (card user is arranged).A utilizes the Mobile Directory Number of B to send message and dealing money first to mobile-payment system.
2	Mobile-payment system checks whether the account of A has enough funds and finish transaction.
		3	If insufficient funds then send message first to A: " insufficient funds.[tel #], [value], [trans #] " B can not receive message.If enough funds are arranged, then enter next step.
4	Check that B is (do not have card or card is arranged) user or non-registered users of registration.Send following message: " you receive money because B is the user of registration! [tel #], [value], [trans #] "
		5	Check that B is the user who does not have the user of card registration or the card registration is arranged.Because B has card user, begin the personal account that A from no card user combined account marks transaction funds and puts B under.
6	If mark and put under Fail Transaction, send message then for A and B: " payment failure.[tel #], [value], [trans #] "
		7	If B has opened automatic acceptance, then the A of fund from do not have engaging and account transfers into the personal account of B.Do not send message.
8	If B has closed automatic acceptance, then mark and put under transaction and only after B approval transaction, just carry out.
		9	If over and done with more than 30 days and also not approval of B after A starts transaction, then transaction is cancelled automatically.Then, will send message to A and B: " payment is cancelled.[tel #], [value], [trans #] " if B rejection payment, then transaction cancellation sends message first to A: " payment would be rejected.[tel #], [value], [trans #] "
10	If B accepts transaction, and A is still no card user, and then the A of fund from do not have engaging and account transfers into the personal account of B.
			If B accepts transaction, and A has card user, and then fund transfers into the personal account of B from the A personal account.

[378] remarks that provided above also correspondingly are applicable to flow process E.

[379] Xia Mian flow process F has shown a kind of implementation of concluding the business between card user (user A) and the no card user (user B) having.

[380] flow process F

Step	Operation
			1	Existing user A (have card registration user) decision converges some moneys for user B (no card user).A utilizes the Mobile Directory Number of B to send message and dealing money first to mobile-payment system.
2	Mobile-payment system checks whether the account of A has enough funds and finish transaction.
		3	If insufficient funds then send message first to A: " insufficient funds.[tel #], [value], [trans #] " B can not receive message.If enough funds are arranged, then enter next step.
4	Check that B is (do not have card or card is arranged) user or non-registered users of registration.Then send following message: " you receive money if B is the user of registration! [tel #], [value], [trans #] "
		5	Check that B is the user who does not have the user of card registration or the card registration is arranged.If B is no card user, then begins from the personal account of A, to mark transaction funds and put B in the no card user combined account under.
6	If mark and put under Fail Transaction, send message then for A and B: " payment failure.[tel #], [value], [trans #] "
		7	If B has opened automatic acceptance, then fund transfers into nothing engaging and the account of B from the account of A.Do not send message.
8	If B has closed automatic acceptance, then mark and put under transaction and only after B approval transaction, just carry out.
		9	If over and done with more than 30 days and also not approval of B after A starts transaction, then transaction is cancelled automatically.Then, will send message to A and B: " payment is cancelled.[tel #], [value], [trans #] " if B rejection payment, then transaction cancellation sends message first to A: " payment would be rejected.[tel #], [value], [trans #] "
10	If B accepts transaction, and B is still no card user, and then fund transfers into nothing engaging and the account of B from the account of A.If B accepts transaction, and B is the user that card registration is arranged now, and then fund transfers into the personal account of B from the account of A.

[381] remarks that provided above also correspondingly are applicable to flow process F.

[382] Xia Mian flow process G has shown is having card user (user A) and a kind of implementation of concluding the business between the card user (user B) is being arranged.

[383] flow process G

Step	Operation
			1	Existing user A (have card registration user) decision converges some moneys for user B (user who has card to register).A utilizes the Mobile Directory Number of B to send message and dealing money first to mobile-payment system.
2	Mobile-payment system checks whether the account of A has enough funds and finish transaction.
		3	If insufficient funds then send message first to A: " insufficient funds.[tel #], [value], [trans #] " B can not receive message.If enough funds are arranged, then enter next step.
4	Check that B is (do not have card or card is arranged) user or non-registered users of registration.Send following message: " you receive money because B is the user of registration! [tel #], [value], [trans #] "
		5	Check that B is the user who does not have the user of card registration or the card registration is arranged.Because B has card user, begin to mark transaction funds and put the personal account of B under from the personal account of A.
6	If mark and put under Fail Transaction, send message then for A and B: " payment failure.[tel #], [value], [trans #] "
		7	If B has opened automatic acceptance, then fund automatically transfers into nothing engaging and the account of B from the account of A.Do not send message.
8	If B has closed automatic acceptance, then mark and put under transaction and only after B approval transaction, just carry out.
		9	If over and done with more than 30 days and also not approval of B after A starts transaction, then transaction is cancelled automatically.Then, will send message to A and B: " payment is cancelled.[tel #], [value], [trans #] " if B rejection payment, then transaction cancellation would send message first to A: " payment is rejected, [tel #], [value], [trans #] "
10	If B accepts transaction, then fund transfers into the personal account of B from the personal account of A.

[384] remarks that provided above also correspondingly are applicable to flow process G.

[385] flow process H has shown the recommendation flow process of non-registered users.User A is the user of registration, and user B is a non-registered users.

Step	Operation
			1	Existing user A determines to converge some moneys to user B (unregistered user).A utilizes the Mobile Directory Number of B to send message and dealing money first to mobile-payment system.
2	Mobile-payment system checks whether the account of A has enough funds and finish transaction.
		3	If insufficient funds then send message first to A: " insufficient funds.[tel #], [value], [trans #] " B can not receive message.
	If enough funds are arranged, then enter next step.
		4	Check that B is the user or the unregistered user of registration.If the Mobile Directory Number of B is not identified as the user of registration, then A receives following message: " B is not the member.We have invited B to add system.[tel #], [value], [trans #] ＂ can be from the account of A the deduction fund.
5	B receives following message: " A attempts the remittance to you.[tel #], [value], the registration of [trans #] system website of inviting."
		6	B registers to system website, and becomes registered no card user.
7	A also receives following message: " B is the user of registration now, you are ready to submit to once more your transaction? "
		8	A receives recommendation bonus (for example ， $5) in his account.
9	A utilizes the Mobile Directory Number of B to resend message and dealing money first to mobile-payment system.If then transaction will be handled as the user of registration and the user's of registration transaction.

[386] remarks that provided above also correspondingly are applicable to flow process H.In this flow process, fund can automatically not transfer into B from A after B registers.On the contrary, B is invited adding, adds fashionablely at B, and (step 9), whether inquiry A wishes to attempt once more remitting money to B to send first message to A.If A wishes remittance, so, the follow-up A and the user of the processing between the B and any one registration are similar to account transfer between the user of registration.

[387] implementation can comprise recommendation bonus (for example ， $5).Message in the step 4 can comprise the notice that mails to A, illustrates to add fashionablely at B, and A will receive the recommendation bonus.After B registered in step 6, user A put qualified acquisition into account's the recommendation bonus of A (referring to step 8).Step 8 still can be carried out before or after step 7 and 9 after step 6.

[388] in the various implementations of system, can only pay the recommendation bonus to the remitter, only to the payee, or remitter and payee pay the recommendation bonus.In addition, in the alternative of recommendation flow process, after user B registered, money can automatically transfer into B from user A, and user A needn't resend payment transaction.In another embodiment, flow process is: (1) user A (member) gives user B (non-member's) $X.(2) systems inspection user B finds that user B is not the member.(3) $X are marked as in the account of A pending.(4) notice B illustrates that A invites B to add system.The fund that the prize funds of wait Shou Qu $Y+A sends.(5) B selects to be registered as the member, and the award of receiving immediately (in the account).(6) then, B receives message first, points out from the payment of A Jie Shoudao $X.(7) in $X from the account of A.(8) pending " virus-type " transaction can be cancelled by A, but still can handle this invitation.(9) if B is not accepting the invitation in the section sometime, the then pending amount of money is released back the account.

[389] in further embodiment of the present invention, under specific circumstances, the financial exchange system can conclude the business at every turn and give notice to the user by a plurality of notices, as utilizes SMS, utilizes Email.The example of such situation comprises: carrying out new user when registering, when carrying out the system card registration, when sending or receive recommendation, putting under/marking when loading, ACH/ directly-when depositing load or unload, load at eAllowance (that is, bill payment), and when account or data change.

[390] in one embodiment, one aspect of the present invention is the method that comprises the following steps: receive payment indication from designated amounts to second user that pay from first user, wherein, described first user is registered user, and described second user identifies by described second user's telephone number; Based on described telephone number, determine that described second user is not registered user; And, to sending first electronic information, notify described second user obligation from described first user with described telephone number associated equipment.This method comprises: after sending described first electronic information, register described second user, and present first option of acceptance from described first user's obligation for described second user, and refusal is from second option of described first user's obligation; When described second user selects described first option, mark the described amount of money from first account related, and put the described amount of money under to second account related with described second user with described first user; And, when described second user selects described second option, to unaccepted second electronic information of described first user's Sending Payments.

[391] in one implementation, second account is arranged in combined account, when described first user is that described first account is arranged in described combined account when not having the registered user of card, and describedly marks and put under process and be included in and safeguard the described amount of money in the described combined account.In one implementation, second account is arranged in combined account, when described first user is that described first account is arranged in described combined account when not having the registered user of card, and describedly marks and put under process and do not comprise in that described combined account is outside and shift the described amount of money.In one implementation, when described first user is when not having the registered user of card, described first account is arranged in first combined account, second account is arranged in second combined account that is different from described first combined account, and describedly marks and put under process and comprise from described first combined account and shift the described amount of money to described second combined account.

[392] in one implementation, first user has card, the user of registration, and second account is arranged in combined account, mark and put under and comprise principal amount is transferred into second account the combined account from first account, thereby, be increased principal amount in the combined account.The card related with the user of registration can be debit card, credit card, robotization ATM card or any other physical card that has shown account number.By using such card, first user can be independent of from the electronic equipment that wherein sends the payment indication and conclude the business.

[393] in one implementation, this method comprises: except that described payment indication, also receive the sequence number that is generated by the equipment that has sent described payment indication; And, after receiving described sequence number, generate the Transaction Identification Number of described payment indication.In one implementation, just handle described payment indication under the situation of the sequence number that only before described sequence numbers is stored in any in the database, receives.Database can be included in the sequence number that poll received in the time cycle, as last week, and last two weeks, last month, first six months, or any other time period, wherein, the time period is generally determined, guaranteeing that sequence number can not be repeated to use, and previously generated sequence number is still effective in system.

[394] in one implementation, after receiving sequence number, generate the sequence number of expection.Then, only under the situation of the sequence number of the described expection of described sequence numbers match, just handle described payment indication.

[395] in one embodiment, the present invention is the method that comprises the following steps: receive payment indication from a certain amount of money to second user that pay from first user, wherein, described first user is registered user, and described second user identifies by described second user's telephone number; Based on described telephone number, determine that described second user is not registered user; And, to sending first electronic information, notify described second user obligation from described first user with described telephone number associated equipment.This method comprises: after sending described first electronic information, register described second user, and present first option of acceptance for described second user from described first user's obligation, refusal is from second option of described first user's obligation, and request is to making the 3rd option of change from described first user's obligation; When described second user selects described first option, mark the described amount of money from first account related, and put the described amount of money under to second account related with described second user with described first user; When described second user selects described second option, to unaccepted second electronic information of described first user's Sending Payments.

[396] in one implementation, this method comprises: when described second user selects described the 3rd option, send the 3rd electronic information to described first user, illustrate that described second user request changes described obligation.In one implementation, this method comprises: when described second user selects described the 3rd option, reception changes to obligation from described second user request of the different amount of money, send the 3rd electronic information to described first user, notify described first user that described pending payment is changed, present for described first user to accept the 4th option of described change to described obligation or refusal the 5th option to the change of described obligation, and when described first user selects described the 4th option, from described first user's account, mark the described different amount of money and to putting the described different amount of money under with the related account of described second user.

[397] this method may further include, and after determining that second user is not the user of registration, reserves a certain amount of money in first account.If certain fate was not over and done with when second user still registered from receiving the payment indication, cancel the reservation of the described amount of money among first account.

[398] in one implementation, equipment is in smart phone, mobile telephone equipment, portable email equipment, personal digital assistant or the computing machine one at least.

[399] in one embodiment, the present invention is the method that comprises the following steps: receive payment indication from a certain amount of money to second user that pay from first user, wherein, described first user is registered user, and described second user identifies by described second user's telephone number; Based on described telephone number, determine that described second user is not registered user; And, to sending first electronic information, notify described first user of described second user to attempt payment with described telephone number associated equipment.This method comprises: after sending described first electronic information, register described second user, send second electronic information to described first user, illustrate that second user registers, and present to first option that described second user pays the described amount of money for described first user; And, when described first user selects described first option, from first account related, mark the described amount of money, and put the described amount of money under to second account related with described second user with described first user.

[400] in one implementation, after described second user registers, put the recommendation bonus amount of money under for described first account.The recommendation bonus amount of money can be any principal amount, as $5.In one implementation, after described second user registers, put the recommendation bonus amount of money under for described second account.In addition, the first and second user boths can receive the recommendation bonus.

[401] in one implementation, this method comprises: send second electronic information to described first user, illustrate that second user is not registered user.In one implementation, this method comprises: except that described payment indication, also receive the sequence number that is generated by the equipment that has sent described payment indication; And, after receiving described sequence number, generate the Transaction Identification Number of described payment indication.

[402] Figure 19 has shown complete system's figure of specific embodiment of the present invention.This is mobile-payment system (that is synoptic diagram of specific implementation mode Obopay).As previously mentioned, Obopay is used to illustrate function of the present invention only as example, and the present invention should not only limit to this example.The system of Obopay has the debit card backbone network.Diamond FinancialProducts is the affiliate.By Diamond, Obopay provides debit card and communicates with ECL and First Premiere Bank, to give the ability that Obopay user transfers accounts and receives fund between debit card.PBT (Pay By Touch) handles ACH transaction and credit card trade.Bancorp Bank provide balance account, and with PBT relation is arranged.

[403] Figure 20 has shown two person-to-person payments between the individual card account." card " is meant the Obopay member who holds Diamond Financial Products debit card.This is " card user " or " card user is arranged ", and is different with no card user.Idiographic flow comprises: (1) starts the payment to the P2P of U2 De $5 from the phone of U1.(2) Obopay sends P2P request (and Diamond sends to ECL and First Premier with it) to Diamond.(3) the debit card account from U1 marks the debit card account that Jin E $5 ， $5 is put under U2.(expense of 4) $0.10 is deducted from the account of U1, and puts the Diamond Financial Products bank account that is positioned at First Premier Bank under.

[404] Figure 21 has shown the person-to-person payment between card account and the non-member account.Idiographic flow comprises: (1) starts the payment to the P2P of non-user V1 De $5 from the phone of U1.(2) Obopay sends P2P request (and Diamond sends to ECL and First Premier with it) to Diamond.(3) mark Jin E $5 ， $5 from the debit card account of U1 and put under Obopay In ﹠amp; Out account.(expense of 4) $0.10 is deducted from the account of U1, and puts the DiamondFinancial Products bank account that is positioned at First Premier Bank under.(5) record is imported in " invitation " database table of U1.The position of the record of this storage " virus-type " transaction; Transaction can keep, and has registered Obopay account up to " virus-type " payee.

[405] Figure 22 has shown the card account and has not had person-to-person payment between the card account.The user is the Obopay user who does not also receive or activate their debit card " not have card ".In another embodiment of the present invention, do not need debit card.In a particular embodiment, have the state between order cards and the activation, under this state, the user still can transfer accounts and the reception fund.

[406] idiographic flow comprises: (1) U1 starts the P2P transaction to " not having card " user O1 De $5 from phone.(2) Jin E $5.00 is transferred into the Obopay In ﹠amp that is positioned at First Premier by the debit card account from U1; The Out bank account.(3) expense is transferred accounts (passing through Diamond) to the DiamondFinancial Products bank account that is positioned at First Premier Bank.(4) Obopay writes down the remaining sum Zeng Duo $5 of O1 on the Obopay ledgers.

[407] Figure 23 has shown does not have the card account to the person-to-person payment of not having between the card account.Idiographic flow comprises: (1) O1 starts the P2P transaction to " not having card " user O2 De $10 from phone.(2) $10 still are retained in the Obopay In ﹠amp that is positioned at First Premier; Among the Out account.The expense of $0.10 also rests on In ﹠amp; Among the Out account.(3) the Obopay remaining sum that write down O2 in the Obopay ledgers increases, and the remaining sum of O1 is dwindled.

[408] Figure 24 has shown the credit card loading.Idiographic flow comprises: (1) U1 imports CC-Number from web, on the Obopay card that $300 is loaded into he.(2) Obopay is from the mandate of the credit card trade of Pay-By-Touch Huo Qu $300.(3) Obopay sends message first to Diamond, starts the debit card De $300 P2P transaction of Obopay CC-Master A/C to U1.Fund is put immediately under user's account.(4) PBT settles accounts credit card trade, and to the balance account account transfer $300 of the Obopay that is positioned at Bancorp Bank ACH.(5) Obopay is to Obopay CC Master A/C account transfer $300 ACH, with replenishment of funds.

[409] Figure 25 has shown complete system's figure of another specific embodiment of the present invention.Following flow process 78 to 85 relates to the system's implementation among Figure 77.In this system's implementation, the user will not need to register for debit card card account.These users will be called " not having card " user, and will hold virtual account.Fund will be retained in (for Obopay user's interests) in the bank account.

[410] Figure 26 has shown does not have the card account and does not have person-to-person payment between the card account.Idiographic flow comprises: (1) starts the payment to the P2P of O2 De $5 from the phone of O1.(2) because O1 and O2 both are existing users, therefore, their deposits funds is in the combined account of Bancorp Bank.$5 rests among the same account, the expense of Jian Qu $0.10.(3) ledgers of Obopay has reflected the variation of remaining sum.Mark the account that Jin E $5 ， $5 is put under O2 from the account of O1.(expense of 4) $0.10 transfers into working-capital account from merging clients' accounts.

[411] Figure 27 has shown the person-to-person payment of not having between card account and the Ka account.Idiographic flow comprises: (1) starts the payment to the P2P of U6 De $5 from the phone of O1.(2) account of user O1 is by Hua Chu $5.10.This variation is reflected in the ledgers of Obopay.(3) Obopay (by with the communicating by letter of Diamond) start P2P, from FirstPremier In ﹠amp; Out account is to debit card U6 account transfer $5.(4) in the batch processing of time at night, from the Obopay combined account to the Obopay working-capital account account transfer $5.10 (10 cents remittance service charge is arranged) that is positioned at Bancorp.

[412] Figure 28 has shown person-to-person payment, with " virus-type " transaction of non-member." virus-type " payment is meant an Obopay member, card is arranged or do not have card, pays to non-Obopay subscriber directory number.Idiographic flow comprises: (1) starts the payment to the P2P of V1 De $5 from the phone of O1.(2) ledgers of Obopay has reflected the variation of the remaining sum of O1.$5.10 marks from the account of O1.(3) $5.10 still are retained in and merge in the clients' accounts.Expense is transferred accounts later on.(4) in the O1 of virus-type transaction record in the Obopay database " invitation " table.If " virus-type " payment expires, then fund will be returned to O1.(expense of 5) $0.10 transfers into working-capital account from merging clients' accounts.This can carry out in the batch processing of time at night.

[413] Figure 29 has shown prize funds.When the signup bonus that new obopay user's Ti Gong $5 is provided or any other amount of money, produce prize funds.When the user registers, Ci $5 will be reflected in the remaining sum.In addition, resembling any fund that virus sends to the user all will transfer among their account.When non-Obopay user sent them and is retained in fund in client's combined account in the virus-type mode, pending " virus-type " payment took place.Payment is recorded among remitter's " invitation list ", and this is the part of themselves data." virus-type " is " pending ", and the expression remitter can cancel this payment.

[414] idiographic flow comprises: (1) V1 (" virus-type " fund payee, non-user) uses Obopay in the Obopay.com registration.(2) create account user in the Obopay database.(3) now $5 bonus and $10 " virus-type " payment now of the user balance among the Obopay GL.(4) with the virus-type mode send to V1 fund (the registration before send to user's De $10) still be retained in client's combined account.(5) database data of the original sender of " virus-type " fund is updated to " RFPAID " (recommendation payment).(6) ， $5 is transferred into client's combined account from Obopay w/c account in the batch processing at night.

[415] Figure 30 has shown the credit card loading.It is the process that fund is loaded into Obopay account by credit card that credit card loads.The Obopay working-capital account is the bank account Bancorp bank (or the affiliate of any other bank).This account comprises the Obopay active capital, and fills with the Obopay active capital.This account also is used as NYCE, PBT, reaches the balance account of other mechanisms.

[416] idiographic flow comprises: (1) Obopay user O1 enters Obopay.com, and starts the Obopay account's De $300 that snaps into him from his Visa and load.(2) Obopay uses Pay-By-Touch as processor, obtains credit card trade De $301.50 and authorizes (comprising suitable expense).(3) Jin E $300 puts the account that Obopay GL is positioned at O1 under.(4) Obopay transfers into client's combined account with $300 from working-capital account.This carries out in the batch processing of time at night.(5) Pay-By-Touch settles accounts transaction, then, starts to the Obopay balance account De $301.50 ACH of Bancorp Bank.This carries out in the batch processing on next day.

[417] Figure 31 has shown the ACH loading.Idiographic flow comprises: the DDA's (1) no card user O1 from him concludes the business to Obopay account's De $100ACH from the Obopay site promoter.(2) Obopay marks transaction to user DDA startup ACH.(3) fund transfers into the Obopay working-capital account from user DDA.(4) in Obopay GL, to user account Hua Ru $100.(5) Obopay transfers into the merging clients' accounts with $100 from the Obopay working-capital account.This can finish in the batch operation of time at night.

[418] Figure 32 has shown the ACH unloading.Idiographic flow comprises: (1) no card user O1 is from the DDA De $100ACH transaction of Obopay site promoter to him.(2) in the Obopay general ledger, user O1 " available balance " reduces $100.(3) by Pay-By-Touch, ACH credit is credited to the DDA of O1.(4) ACH is credited to, and takes out $100 from the Obopay working-capital account.(5) user's " current remaining sum " reduces $100, with the coupling available balance.(6) $100 are transferred into the Obopay working-capital account from Obopay client's combined account.

[419] Figure 33 has shown the ATM loading.Loading can be undertaken by any ATM structure, as NYCE, PLUS, STAR, and other.In the specific implementation mode, it is that NYCE loads that ATM loads.Idiographic flow comprises: the DDA De $100 NYCE from him loads (1) no card user O1 from the Obopay site promoter.(load the expense of Zi Jinxuyao $0.99.) (2) Obopay submits to, and authorize from NYCE Shou Dao $100.99.(3) account of the O1 among the Obopay GL is by Hua Ru $100.(4) ， $100 is transferred into client's combined account from the Obopay working-capital account in the batch processing at night.(5) NYCE charges to the Obopay working-capital account with $100.99 ACH.

[420] current payment system (that is, credit card and debit card) is for consumer and businessman expense all.Can collect annual subscription cost to the consumer.Tranaction costs have mainly been collected to businessman.Neededly can use, not have cost of registering, do not have subscription fee, not have the payment system of tranaction costs for consumer or businessman consumer and businessman.Simultaneously, also must " processor " that move such system correspondingly be compensated.

[421] closed loop payment scheme

[422] in one embodiment, the invention provides the method that is used to operate as the payment account transfer architecture of closed loop payment system.The closed loop financial transaction system is convenient to pay, and does not have a large amount of payment charges related with the closed loop financial sector, and for the possessor, businessman and other each side that participate in financial transaction, has the security of height.

[423] the closed loop payment system is such, and the assembly of Value Transfer process is worked under the entity control that has this payment system.Because the owner has controlled this system, therefore, underlying price is also under possessory control.By contrast, cash and check are open payment systems, and each participant is provided with price for their processing of transaction, need not to pay the Virtual network operator expense.

[424] Figure 35 has shown the transaction flow in the closed loop payment system.Specifically, when from a mobile device 3501 when another mobile device 3502 is paid, to paying server 3503 transmission transfer request.Ask by reference arrow 3504 to be represented.The account holder's that server 3503 visit and mobile device 3501 are related T-ledgers (as quoting shown in the arrow 3505), if satisfied as some the speed rule shown in 3506, then the amount of money with appointment transfers into payee T-ledgers (as quoting shown in the arrow 3507).In case fund has transferred into the payee, shown in 3508, server 3503 just sends notification message first to the payee, as shown in 3509.At last, payer account possessor receives the confirmation message from server 3503, and illustrating concludes the business finishes.Under the preferable case, whole closed-loop system is had by single entities.System is by account holder's filling or loading, and the account holder is owing to the account balance of safeguarding on paying server, and acquisition dollar (referring to a Figure 36).

[425] the closed loop payment system has a plurality of advantages.Major advantage is, the owner of system can control the expense of collecting to remitter and payee, for the fund in the system of being loaded into, the chance of earn interest is arranged.The interest of all funds of the payment system owner in can the earning system is converted back to dollar or unload back dollar up to them.Along with greater functionality is added, owing to increasing of expense and remaining sum, it is more lucrative that closed-loop system can become.

[426] comprise for the participation benefit that the account holder brings:

[427] (1) safety-account holder's fund is locked in the mobile device safely rather than cash must be contained in pocket or the wallet;

[428] how much (2) security-checking in time looks to have among the account available;

[429] (3) information-be easy to obtain account activity and balance amount information;

[430] (4) convenience-account holder can be that unit is in the whole world or stride the mobile fund in ground, room with the second.

[431] benefit of bringing to businessman comprises:

[432] (1) safety-do not have cash;

[433] (2) less processing cost-do not count cash income, no effects is single, no tally sheet;

[434] (3) less tranaction costs-than the expense of credit card are low; And

[435] (4) fund guaranteed-no returned check.

[436] affiliate of businessman has scarcely ever chance earning and handles income at the transaction that the transaction or be used for of deposits funds in the advance deposit credit account put up cash to the account holder.Depend on implementation, when fund was added among the account, commission can be earned by businessman.

[437] independently closed loop payment system of the present invention is designed to integrate with partner's bank account.This account can be the account who is pre-existing in, perhaps, for the user of unbanked, can be by cooperative bank's create account user.

[438] closed-loop system has been safeguarded user profile database, the name and the consensus data that comprise the account holder, the information that being used for of each certain accounts possessor signs to risk, and will be used for loading or the bank account information of the account's of unloading fund link from this account to advance deposit credit account.User profile database also needs to satisfy the needs of consumers and the website of customer-oriented service, is used for collection log-on data when open.Under the preferable case, this closed-loop system is connected with the credit card exchange system, with available credit line under the visit credit card account.Perhaps, or in addition in certain embodiments, as noted earlier, current closed-loop system also is connected with various atm networks.

[439] paying server has been safeguarded " T " account record for each account holder.This account follows the tracks of each account holder's the transaction and the ledgers of remaining sum.With T type accounts database together, paying server provides history and balance data also by mobile device and satisfy the needs of consumers and the website of customer service.

[440] in order fund to be changed over to the closed loop payment system or to produce this closed loop payment system, the present invention provides three kinds of functions for different account holders.

[441] some account holder has bank account in the bank that is not the affiliate.This system allows the account holder to travel to and fro between this mobile fund in bank account ground by the ACH system.Owing to there is risk, the user must carry out risk control, can comprise the availability of funds (for example, just can use up to Thursday from the fund of your bank account account transfer on Monday) that delay is transferred.This defer time can shorten (move credit report or obtain financial statement) by extra signature.The shortening of time delay also can occur owing to the user has good credit rating there or utilizes the credit card that keeps to guarantee payment in affiliate operator.In certain embodiments, the method is not first-selected, though these risks can minimize by the participation of operator, operator can provide some signed data and enough users to prove that extra signature is proper.

[442] under the situation that the account holder is registered owing to the relation with cooperative bank, be connected with current deposit account (check account) system real-time and allow the account holder to obtain remaining sum and in real time transaction is charged among their account.

[443] in other cases, the account holder has an account at Bancorp Bank or similar financial institution, and bank founds banking, still, all websites, check, and customer statement will have the relationship brand.The method will allow us providing the relationship brand with partner's bank account (this account is free to the user) in the integrated environment closely.

[444] the present invention relates to tranaction costs closed loop financial transaction service lower or no deal expense and improved safety.Embodiments of the invention are included between any reciprocity partner or pay the method for account transfer quickly and easily between consumer and businessmans.A kind of implementation of this method comprises mobile telephone equipment, cell phone (mobile phone) or similar equipment, and the account such as advance deposit credit account also authorizes from the mechanism of this account to the opposing party's transfers as visit.Additional embodiments of the present invention relates to various affiliates, comprise mobile-phone carrier, nationwide brand businessman, and financial services provider, together with payment platform, this payment platform provide for the individual use they mobile phone or other telecommunication apparatus pay the bill fast, easy mode.

[445], the figure illustrates closed loop financial transaction system according to an embodiment of the invention now please referring to Figure 36.In this transaction system, consumer and businessman, one group of two or more consumer, perhaps one group of two or more businessman can finish financial transaction apace safely, and tranaction costs are seldom or do not have.

[446] this example of closed loop financial transaction system is utilized advance deposit credit account, therefore, can comprise point of sale (POS) terminal 3612, wherein, can be as in the prior art systems, using traditional debit card 3606-by in the magnetic reader 3613 related, swiping the card with POS terminal 3612.Card 3606 provides the account's who checks the account holder second approach.

[447] in certain embodiments, POS terminal 3612 further comprises near field (NF) antenna and circuit 3614.NF antenna and circuit 3614 detect such as the mobile phone of supporting NF, support the passive device the mobile phone of bluetooth, or other short range transmission equipment such as RFID or bar code related with mobile phone 3618.So, when mobile phone 3618 was positioned near POS terminal, account information was automatically transferred to the POS terminal.In other embodiments, POS terminal 3612 is included in to set up when transaction starts with the mobile phone that is connected of transaction processor 3630 (being also referred to as paying server or server) and connects.Should be appreciated that transaction processor 3630 comprises one or more server farms or data center, they can handle the transaction a large amount of the time.Understand well as current techniques, such server farm disperses on the geographic position usually, and adopts suitable technology, is linked at together, with the view accurately of the real-time status of safeguarding all accounts.The POS terminal directly transfers into paying server from the POS terminal with dealing money, authorizes so that connect 3615 by mobile phone.Paying server 3630 calling accounts possessors' mobile phone 3619, trade detail for confirmation.Those skilled in the art will recognize that the POS terminal can include only magnetic reader 3613, NF antenna and circuit 3614, and in the mobile phone 3615 one or two.It is also understood that POS terminal 3612 is related with businessman usually.

[448] some embodiment of the present invention significant advantage is, mobile phone 3618 or 3619 and the card 3406 both shared common PIN.So, the account holder can not feel inconvenient because of recalling a plurality of PIN.

[449] the transaction between consumer and businessman, the present invention is enough flexible, can realize real person-to-person finance trade function.Person-to-person equipment 3620 all comprises the mobile phone that is linked to account and account holder separately.Wish to start transaction request for one in reciprocity partner 3620, so that when another reciprocity partner pays, the request of transaction, mandate and affirmation all send between paying server 3630 and reciprocity partner 3620 by public network.Under the preferable case, owing to used one or more public networks, the expense that has not had switching centre, so, for the participant, cost can be free, and is perhaps quite cheap, to such an extent as to accounting for the number percent of the overall transaction of carrying out in system, it can ignore, when particularly comparing with typical tranaction costs.

[450] just as noted above, transaction request is routed to paying server 3630 by public network.In one embodiment, public network 3625 is the Internets.In another embodiment, public network 3625 is cellular phone networks.In another embodiment, public network 3625 is radio nets, and in another embodiment, it is public switched telephone network or PSTN.Public network 3625 is transferred to paying server 3630 with account holder's transaction request.

[451] in one implementation, the connection by public network 3625 is to depend on the link that the participant is carried out the safety of authentication and encryption.So, for the connection by the Internet, connection protocol can be that for example, HTTPS, link can be VPN (virtual private network) or VPN.Paying server 3630 also is connected to the savings account 3635 that is linked by public network 3625 (not shown)s or by proprietary ACH bank or banking network.

[452] Figure 37 is the block scheme of closed loop financial sector according to an embodiment of the invention.More particularly, simplicity of the present invention can make it use at large, and can provide huge use value to account holder and businessman.As previously discussed, the invention provides the transaction that is used to finish between consumer and the businessman and the cheap electronic finance trade service of person-to-person transaction, and other financial transactions such as bill payment or the like.In certain embodiments, this dirigibility partly is to be connected to POS terminal 3612 by the mobile phone 3702 with the consumer to realize.In one embodiment, the consumer can import their telephone number on the keypad related with the POS terminal, when having obtained the transaction total charge, businessman can by the Internet connect 3706 and paying server 3704 send PAY REQUEST (Payment Request) to mobile phone 3702.In such scheme, paying server 3704 is with calling handset 3702, and transfer of fund is carried out in requesting consumption person's mandate.Then, the consumer imports their PIN or other biological signature identification, and confirms the amount of money, so that payment is authorized.Paying server 3704 can add payment (deducting any tranaction costs) the advance deposit credit account account transfer of fund (adding any tranaction costs) from the consumer account of businessman to.

[453] in alternative, mobile phone 3702 comprises near-field communication (NFC) circuit, Bluetooth circuit or RFID circuit (not shown), is used to allow 3712 inquiries of POS terminal and the account information of recovery such as cell-phone telephone number.In this embodiment, account information will automatically detect in businessman, and send request to paying server 3704.Paying server 3704 is calling handset 3702 once more, with request PIN or other biological signature identification and payment authorization.

[454] person-to-person transaction is exempted the POS terminal from processing procedure, and each reciprocity partner 3707 and 3708 contacts directly paying server 3704, to carry out financial transaction.

[455] Figure 38 is the block scheme of mobile client application program (MCA) according to an embodiment of the invention.MCA resides on the mobile phone 3802, and comprises user interface API3802 and 3803 and payment AP I3805.API 3802 provides the user screen picture, and the guiding account holder carries out various financial transactions, as the amount of money (if any) and the available type of transaction of identification the other side, transaction.API 3803 provides to be used to visit for service provider or other value-added cooperative partners (as account or record service) and pays API 3805 to obtain the mechanism of the required information that provides value added service.In one embodiment, payment API 3805 provides the logic that is used to realize logic of the present invention and is used for being connected with the communication layers 3810 of mobile phone.

[456] being used to operate according to an embodiment of the invention, a kind of method of payment account transfer architecture realizes as the closed loop payment system.The closed loop payment system is such, and all components of Value Transfer process is worked under the entity control that has this payment system.Because the owner has controlled this system, therefore, underlying price is also under possessory control.

[457] Figure 39 has shown the transaction flow in the closed loop payment system as shown in figure 36.Specifically, for person-to-person transaction, when from mobile device 3901 when another mobile device 3901 is paid, to paying server 3903 transmission transfer request.Ask by reference arrow 3904 to be represented.The account holder's that server 3903 visit and mobile device 3901 are related T-ledgers (as quoting shown in the arrow 3905), if satisfied as some the speed rule shown in 3906, then the amount of money with appointment transfers into payee T-ledgers (as quoting shown in the arrow 3907).In case fund has transferred into the payee, shown in 3908, server 3903 just sends notification message first to the payee, as shown in 3909.At last, payer account possessor receives the confirmation message from server 3903, and illustrating concludes the business finishes.In one embodiment, whole closed-loop system is had by single entities.System is by account holder's filling or loading, and the account holder is owing to the account balance of safeguarding on paying server, and acquisition dollar (referring to a Figure 36).

[458] Figure 40 has shown the exemplary fee structure of closed loop financial sector according to an embodiment of the invention.Should be appreciated that fee structure can change, this illustration has only presented an example of the structure that is used to generate operation revenue.Because immanent feature of the present invention, tranaction costs can be very low or free.So, shown in 4001, for the transaction under a certain dollar of amount of money, tranaction costs are abandoned.For saying something, please see the financial transaction of account transfer $1 between the individual.The no deal expense.Although can collect the dollar amount of money of tranaction costs is to be provided with arbitrarily,, usually, dollar amount of money will be the amount of money of Xiao Yu $25.The account holder will carry out unlimited such transaction qualified every month.

[459] in such embodiments, for surpassing selected peaked tranaction costs, the account holder remit money (startup payment transaction) will produce some expense, shown in 4002.For saying something, for the dealing money between Zai $50 and the $100, the account holder will produce, for example the tranaction costs of ， $1.00.For surpassing the selected amount of money amount of money of (as surpassing $100), can collect higher expense or Charges negotiable.Each tranaction costs much less that these expenses are collected than some credit card issue person at least.In an alternative, tranaction costs can be nominal amounts, as a cent ， $0.05 who collects to the remitter, Huo $0.10.

[460] for the transaction that relates to businessman, businessman can propose to pay otherwise the tranaction costs that will collect to the consumer alternatively, as shown in 4003.In addition, for such embodiment, also can collect the extra-pay of reception fund to businessman.Equally, the actual value of merchant transaction expense can change, and still, in one embodiment, is specified 1% of dealing money.

[461] in one embodiment, specified every month service fee is added to by the mobile service provider in cellphone subscriber's the bill, shown in 4004.The owner of mobile service provider and closed loop financial transaction system of the present invention shares every month service fee with pro rata distributing.

[462] provide the payment system of supporting the member to consumer and businessman, consumer or businessman need not payment register expense, subscription fee, or tranaction costs.In a kind of specific implementation mode, member's payment system is such mobile-payment system, and the consumer can use the mobile device such as mobile phone, smart phone, personal digital assistant, or similarly the portable mobile wireless portable equipment is concluded the business.But businessman will carry out the disposable donation of reimbursement.These are contributed by system and are stored in the merging account in trust, and the leverage of these donations or interest will be provided with funds for this system.

[463] in a kind of specific implementation mode, support member's payment system (MSPS) to provide free payment system fully to consumer and businessman according to following principle:

[464] 1. for consumer or businessman, no cost of registering

[465] 2. for consumer or businessman, no subscription fee

[466] 3. for consumer or businessman, the no deal expense

[467] but 4. need businessman that the disposable donation of reimbursement is provided.

[468] 5. disposable businessman contribution is integrated in the MSPS account in trust

[469] the 6.MSPS account in trust produces the bonus that floats, and this bonus is that MSPS handles company and system affords redress.

[470] 7. consumer and businessman can be to merging MSPS current account (separating with account in trust) loadings with from wherein unloading

[471] 8. the consumer can with fund prestore, in merging MSPS current account, be alive.

[472] the 9.MSPS system has managed " T " account (that is, remaining sum, mark, put under) for consumer and businessman.

[473] in one embodiment, the present invention is the method that comprises the following steps: receive a plurality of businessmans contribution and think that member's payment system provides with funds; Businessman's contribution is put into the merging account in trust, and wherein, interest is not received to their contribution by businessman; Allow a plurality of consumers freely to become the user of the registration of mobile-payment system; Allow the user of registration freely to load fund or therefrom unload fund to the current account of member's payment system; And, allow businessman freely to load fund or from wherein unloading fund to the current account of member's payment system, thereby, provide with funds for member's payment system with the interest of merging account in trust.

[474] Figure 41 has shown that the loading in support of the present invention member's the payment system implementation trusts operation.

[475] Figure 42 has shown the consumer's registration process in the payment system of supporting the member.

[476] Figure 43 has shown loading and the unloading operation in the payment system of supporting the member.

[477] Figure 44 has shown the purchase transaction in the payment system of supporting the member.

[478] in one implementation, businessman's contribution can be the interior monthly payment plan of section sometime.The amount of money that depends on contribution, businessman will have bigger access rights or privilege in system.For example, the fixing amount of contribution can be arranged, the quantity of the transaction of qualified release extra-pay ground being carried out corresponding to businessman.In addition, businessman can also carry out follow-up donation, to enlarge the privilege of businessman.

[479] in one implementation, member's payment system allows the user of registration by the user-pay of mobile phone request to another registration.Member's payment system can allow the user who registers to pay the bill to businessman by the mobile phone request.

[480] member's payment system can be managed the user's of registration transaction record.Member's payment system can be managed the transaction record of businessman.Member's payment system can be managed the user of registration and the transaction record of businessman.This will reduce the cost of businessman, because they do not need to manage themselves transaction record.

[481] but contribution is reimbursement, so, businessman does not participate in after can determining.For example, when the fund of this businessman to member's payment system is contributed given back in businessman request, the user of registration will no longer be allowed to this businessman's account transfer.

[482] generally speaking, be under participant's the situation of member's payment system in businessman, do not collect regular regular tranaction costs to this businessman.System is subsidized by the unsteady income of the merging account in trust that comprises businessman's contribution.

[483] Zhu Ce user can by Automatic Clearing House (ACH) or directly at least one in the savings account (DDA) come the load or unload fund.In the further implementation of system, a lot of extra loadings and the mode of unloading fund are provided for the user of registration and businessman.For example, the user of registration can select to allow user's the paycheck or the part of paycheck directly be stored in the system.

[484] in one implementation, this method comprises: the user who allows registration pays to businessman by the mandate of member's payment system by using two factor mandated programs.This two factors mandate can comprise (for example, PIN, mother's birth name, the challenging problem) known to (1) (for example, phone, card) that the people had and (2) people.For example, system can allow the user who registers correctly to import personal identification number or PIN by user's mobile phone and the user who uses registration, pays to businessman by the mandate of member's payment system.

[485] alternatively, also can provide a debit card for the user of each registration.Utilize debit card, the user can not have, and for example, under the situation of mobile phone, charges.

[486] virtual combined account

[487] please referring to Figure 45, in the specific implementation mode in one aspect of the invention, for avoiding being each banker's record general ledger, mobile-payment system is configured to, and is general ledger of virtual combined account record of each country.This can reduce the clearing and the operation costs of system.Perhaps, virtual combined account can be configured to, and is that the group of combined account represents, wherein, according to any parameter easily or parameter group, as the affiliate of bank, geography, country, size or the like, select those combined accounts, so that be included in the particular virtual combined account.In certain embodiments, realize single virtual combined account, perhaps, realized the hierarchy of virtual combined account.Should be appreciated that virtual combined account is a large database basically, wherein, for comprehensive combined account in this virtual combined account has been safeguarded transaction record.

[488] because fund will be retained in the virtual combined account, therefore, the owner of virtual combined account (for example, mobile-payment system service provider) will receive the unsteady income or the interest of this fund.The payee of the unsteady income of virtual combined account can be distributed to some amount of money cooperative bank's (they no longer receive the unsteady income of their general ledger).An embodiment of method who is used to distribute floating fund is as follows:

[489] (1) will be considered to from this bank by the account that cooperative bank obtains.For example, if the Ci of bank sells the mobile-payment system service, and absorb client A, so, client A is he be marked as in life " being absorbed by Ci ".In such embodiments,, a field is arranged in basis, point out this specific user from which source recruits for each user record (discuss in other places in asking).Some example in possible source comprises direct mobile payment service, cooperative bank, corporate finance mechanism, and cooperation mobile phone provider.

[490] when finish every day, the mobile-payment system service is with the amount of money of estimating to be retained in the mobile-payment system services accounts that is marked as the fund that is absorbed by each cooperative bank.Let us is called X-Ci, X-BA, X-ING with this estimated amount, and wherein, Ci, BA and ING are the examples of financial institution or bank.

[491] for example, in Figure 45, member 6504044762 is absorbed by Bank One Corp. Ci, and member 4154443214 is absorbed by the 3rd BA of bank.In this example, the member identifies by telephone number.The example of the telephone number of the U.S. comprises 4158675309 or 2128675309.In a kind of implementation of the present invention, the phone number format of input can be got rid of area code, as 7762323 or 5550123.For example, this can be used for the situation that payee and remitter are positioned at same area code.The additional area code digit will automatically be filled by system.As other places are pointed in this application, the member can identify by the identifier of other types, as instant message user name, e-mail address, social security number, driving license number, and account number, and other.

[492] (2) let us is called Y with remainder.This is the estimated amount of the fund that is not marked as absorption that will keep in the mobile-payment system services accounts.These are the accounts by the mobile-payment system service directly absorbs or the non-banking affiliate absorbs.In Figure 45, this is represented by telephone number 6508622730, is expressed as by secondary bank MSPS (mobile-payment system service provider) to absorb.

[493] (3) every day, for example, in the time of appointment, the mobile-payment system service will be calculated the suitable fund that will be retained in the cooperative bank.For example, can be according to following formula: X-cooperative bank adds the number percent of Y.Number percent will be consulted when setting up bank's partnership relation, and will depend on the level of selling cost.For example, for Ci, the mobile-payment system service can be placed on 10% of Y in the mobile-payment system services accounts of Ci.Number percent can be any number percent, as, 1,2,3,4,5,6,7,8,9,10,11,12,13,14,15 or other.Number percent can be integer, can be mark also, comprises 1.1,1.2,1.3,1.5, less than 1, less than 2, less than 3, less than 6, and other.

[494] the method can avoid putting down in writing the cost of a plurality of general ledgers and net settlement accurately.Also will give the deserved portion that cooperative bank gets the fund of serving more than mobile-payment system.

[495] Figure 46 has shown according to an embodiment of the invention shopping method fast.In one embodiment, pictorial poster, newspaper advertisement or television advertising comprise the mechanism that allows the shopper to obtain the detail that is presented at the relevant product on the mobile phone.This mechanism can comprise the bar code of printing or dial in the telephone number of the information of can obtaining.In another embodiment, utilize near-field communication to start connection between shopper and the remote-merchant, shown in 4601.By starting this connection, can activate MCA, if so that shopper's decision is done shopping, then MCA is waken up, and connects, shown in 4602.By selected Buy Request option, shown in 6503, the shopper can carry out purchase transaction with paying server, handles the details such as " delivery is given " address and funds transfer.Within a short period of time, can from a few minutes by several days, the product of order will be issued, shown in 4604.

[496] in another embodiment, the account holder has the option that selection " is delivered to current geographic position ", rather than account holder's billing address.When the account holder is on a journey and wishes to order and when not wishing anyone is said this function specific needs from the room service services menu.In the case, menu will comprise near-field communication equipment, and so, the account holder need only select Buy Request, and food will offer the room at account holder place.

[497] Figure 47 has shown another quick shopping function according to an embodiment of the invention.In this embodiment, the payment of the regular appearance of account holder's desired product or service.For saying something, please see typical commuter, climbing up before train sails the urban district into every morning, the purchase newspaper stops.For embodiment shown among Figure 47, the account holder can set up the account who authorizes in advance for the payment of so regular appearance, shown in 4701.The account of Shou Quaning can comprise the product that can obtain or the type of service in advance, shown in 4702, and the shopping amount of money that allows of the maximum that will authorize in advance, shown in 4703.So, when the commuter has bought newspaper, near field antenna detects the account information on the mobile phone, and dealing money sent to paying server, this paying server will need not to wait for that the consumer verifies confirming send it back businessman, particularly, authorize and carry out financial transaction, shown in 4704.This function also is to quicken the important means that shopping is handled for financial transaction it is pressed for time, as when the commuter wishes to use their mobile-phone payment subway ticket when they pass through turnsile.The amount of money of Shou Quaning can be deducted in real time in advance, perhaps, handles as the financial transaction of batch processing, and for example, one hour once.

[498] for minimizing the checking processing time, in certain embodiments, can be before the use of expection, authorization conditions is notified to businessman in advance.Authorizing in advance when receiving, telephone number can be placed in " green list ", points out that businessman can accept payment, need not the checking from paying server.Green list is stored in the POS terminal, or can be conducted interviews from home server by the POS terminal, rather than conducts interviews from trading server.

[499] if the account of Shou Quaning uses up in advance, and the account holder does not replenish this account in time, and then telephone number can be placed in " Red List ", and forbids following this service of using.Red List also can be stored among the POS by businessman this locality, or is stored in the home server that is connected to POS equipment.If telephone number is included in the Red List, the businessman's form of payment that can accept to substitute then.Perhaps, server can denial of service, and sends message first, and suggestion the account holder take this opportunity account holder's account is supplemented with money again.Businessman can accept to supplement payment again with money, and the incentive fees of collecting the fund of receiving that the account to the account holder supplements with money again are with (if any).

[500] shopping in order to accelerate to authorize in advance, in one embodiment, mobile phone comprises the visible bar code from the outside, can scan on POS, this bar code is to start and to close the trade.Perhaps, bar code may be displayed on the screen of mobile phone, and is scanned on POS.Because for many daily shopping speed and convenience is so important, bar code together with the green list of local cache, makes businessman's " dynamically " accept shopping, submits transaction with batch mode in seclected time in the interval then.

[501] advantage for the account holder is, if mobile phone is lost, can or pass through the visit Web page, upgrades subscriber data, or by called customer service centre, suspends mandate in advance apace.If the report mobile phone is lost, then new green list and Red List are distributed to affected businessman immediately, thereby dwindle the potential loss of account holder and businessman.If the situation of the monthly ticket of the advance deposit of more once losing-lose, then whole value of this monthly ticket are also lost, and whose benefit who has found.So, green list and Red List are to prevent the effective tool of swindling for the account who authorizes in advance by the theft phone.

[502] owing to each mobile phone that is not current use all is to be equipped with application program, therefore, paying server is adapted to the service class all available to each account holder.Being used between cell phone apparatus a kind of method of pass-along message is to use Short Message Service (to be also referred to as " SMS text message " usually, or simply, SMS) to transmit and receive, because most of mobile device is all supported SMS.SMS is the mechanism that is used for providing by the mobile network short message.It is " storage is transmitted " technology that is used to travel to and fro between the mobile phone message transfer.Message (only for text) from the transmit leg mobile phone is stored in the server related with the SMS transmission system, and this server is forwarded to target mobile phones with it after a while.This means that if the addressee is unavailable, then message is stored, and send after a while.Because SMS uses signaling channel rather than dedicated channel, therefore, these message can send simultaneously/receive by mobile network and voice service.For the mobile network based on all three kinds of cellular technologies, GSM, CDMA and TDMA support SMS, and SMS uses data in mobile phone service very widely.

[503] utilize SMS, SMS synthesizer route messages in real time between paying server and account holder, fund can be used for the payee immediately.If financial transaction comprises the opposing party, server also uses SMS, reuses the SMS synthesizer and communicates with the other side in real time.When non-account holder was payee from account holder's payment account transfer, SMS was the mechanism of particular importance.Non-account holder's problem is not embed MCA in their phone, and so, SMS is used for the mechanism that communicates with non-account holder.MCA management and insertion Transaction Identification Number, this Transaction Identification Number comprises the idempotence key, make Transaction Identification Number for data, services SMS, HTTP, and the HTTPS protocol message is unique, still, when using manual SMS, does not have Transaction Identification Number.

[504] SMS moves financial transaction system and has avoided and only add special chip (that is integrated circuit (IC)-components) related cost and problem for the financial function of supporting and enable equipment.In mobile phone or other mobile devices, add other assembly and can increase the cost of making and supporting.Licence fee or other proprietary expenses could be used this chip if desired, and then cost further increases.In addition, in mobile phone, add chip and can increase power consumption, and shorten that battery life-both have counter productive for the mobile device such as mobile phone.

[505] although the SMS text message is applicable to the mobile communication equipment of various types of cellular devices and some other types, as portable digital-assistant or PDA, but SMS can expose unencrypted password or personal identification number (PIN), and the details of balance amount information or relevant nearest transaction.Because anyone who has a phone can read the SMS message file and know account and other confidential information of how to visit another person immediately, therefore, preferably avoids using public SMS message to transmit PIN.Correspondingly, in one embodiment, the invention provides the mode of being undertaken by voice-grade channel in the situation next part transaction that starts financial transaction by the SMS text message.

[506] Figure 48 is the illustration of the system level of the financial transaction carried out by at least one SMS message mechanism according to an embodiment of the invention.Which mobile phone this method of commerce is used to not have support the situation of the Internet.In addition, mobile phone does not have the MCA of embedding yet, so, depends on SMS message and handles transaction.Those skilled in the art will recognize that, if one of them phone is to support the Internet, and MCA has been installed, so, the transaction of its this end will be undertaken by the HTTPS link, will be undertaken by SMS message with communicating by letter of another phone.Should be appreciated that HTTPS is meant the HTML (Hypertext Markup Language) on the security socket layer, or HTTPover SSL, this link is the Internet link.Should also be understood that the Internet connection provides profuse user interface, safer, start and carry out financial transaction and be more prone to.When HTTPS was unavailable, MCA can revise transaction to use http protocol, and this is the transmission mechanism that a kind of security is hanged down some slightly.In this case, the account can call software cryptography before Transaction Information is sent to server and before inserting Transaction Information.

[507] unavailable if the Internet connects, then use SMS (or Short Message Service) message in one embodiment.In one embodiment, MCA utilizes the data, services function to send scale-of-two SMS message.In disabled another embodiment of MCA, use plain language SMS message to carry out financial transaction, and taked special measure, with the integrality of protection PIN.It should be further apparent that, lack MCA and further can limit the UI function that so, the user can obtain limited satisfying from the present invention, still, yet, otherwise, can enjoy the repertoire and the advantage of this financial transaction system.

[508] utilize the present invention, MCA selects the pattern to server 4804 (also abbreviating transaction processor as) transmission financial transaction.For example, available if the Internet connects, then use HTTPS link (this is to the User Page request and the Web agreement of being carried out encryption and decryption by the page that server 4804 returns) to conclude the business.Use the Internet, the account holder only needs to import trade detail on the Web page, and selects " transmission ", to start transaction.If relate to the opposing party, and this side has the equipment of supporting Web, then provides trade detail on the Web page.In this embodiment, server 4804 serves as Web server.

[509] common, be not that all account holders have mobile phone or the equipment of supporting the Internet.Therefore, the invention provides the additive method that carries out financial transaction from mobile phone.Such method comprises to be used SMS data, services, SMS plain language (the two can use voice-grade channel to transmit PIN) or only uses voice-grade channel.

[510] for the mobile phone of supporting SMS, the account holder to server 4804 transmission SMS message, starts transaction with the mobile phone 5206 from them, by SMS gateway 4802 shown in flow arrows 4810.Gateway 4802 arrives server 4804 with the SMS message relay, shown in flow arrows 4811.When receiving SMS message, server 4804 is taked the assigned operation of asking in message, and sends a reply SMS message to gateway 4802, shown in flow arrows 4812.Gateway 4802 will be replied the SMS message relay to mobile phone 4806, shown in flow arrows 4813.This sequence of events can carry out over and over again, finishes up to financial transaction.Can come to judge transmission SMS message between the gateway 4802 by any circuit switching or packet switching network at the automatic numerical value of phone.

[511] in certain embodiments, set up voice communication channel, shown in voice-grade channel 4815 and 4835.When receiving initial SMS message from phone 4906, server 4804 can be opened voice-grade channel 4815 by dialing with the telephone number of account association.Use a kind of situation of voice-grade channel 4815 to be, obtain PIN (receiving) as DTMF or speech data, finishing proof procedure, and response SMS message, the user as the account holder is carried out authentication.DTMF is meant dual-tone multifrequency, is the signal that telephone operator receives when the contact-key of phone is pressed.

[512] initial SMS message begins-PAY, REQUEST PAYMENT, BALANCE, TRANSFER or HELP with the key word of type of transaction that request is provided.Comprise expression in SMS message and wish that from an account holder key word will be pay or requestpayment under the situation of the key word of another account holder's allotted fund.After key word, the input amount of money has radix point, also can not have radix point.After the amount of money, input destination phone numbers (or short code, e-mail address or other identification informations).This information can automatically obtain from the telephone directory book of mobile device.After telephone number, the account holder can be in the message of message field input to the other side's demonstration.In some cases, this message can be empty message.In certain embodiments, the account holder also can import additional message, the purpose that is used to write down.Special code in the message field has been described the message of replenishing, and to point out that the text after the special code is special-purpose, does not need to transmit.The example of representational special code can be */*/or/-/or other unique user-defined codes.

[513] in case SMS message is sent to server, just can import PIN, and send to server, with checking SMS message by the voice-grade channel connection by the account holder.PIN can be any alphanumeric code by the keyboard input.Then, PIN sends to paying server as dtmf code message.

[514] on server, server receives SMS message by SMS text message communications path, and receives PIN by voice-grade channel.Visit to server can be undertaken by the account holder, and the response that also can be used as receiving SMS message is started as " callback " function by paying server.Under the preferable case, PIN sends as the message of dtmf code, with maintenance safe, though in other embodiments, PIN can be said by the account holder, and by at paying server or be exclusively used in the interactive voice recognition software module of working on another server (not shown) of processed voice phone and change.

[515], please see the process that takes place when issuing the SMS message request account balance of server 4504 as the account holder who uses mobile phone 4506 for saying something.SMS message is formatd by the user, with the type of the financial transaction that comprises request, that is, and BALANCE (the acceptable simple form of this request can be BAL, or simply, B), and with their telephone number of account association, for example, 4081234567.Perhaps, also can determine account number by using Caller ID.

[516] when server 4804 is received SMS message, it is checking sequence number or Transaction Identification Number (for example, referring to Figure 54,55, and 56) at first.If sequence number is correct, then server 4804 is dialed the telephone number with account association, and the request user imports PIN.In other embodiments, PIN is included in the original SMS message, so, there is no need the calling accounts possessor so that verify.If mobile phone 1006 disposes MCA, then can before being included in SMS message, encrypt by password it.MCA will use data, services.Use the disadvantageous one side of SMS transmission of messages PIN to be, this secret number will to can contact phone anyone as seen, and may cause the unwarranted use of non-account holder.

[517] if PIN is correct, then server 4804 is handled the transaction of request.The user can select by the voice answer-back that utilizes voice-grade channel 4815 or by the SMS message returned (in the case, server sends the message that has remaining sum to gateway 4802, and gateway 4802 with forwards to mobile phone 4806) receive information requested.

[518] in other financial transactions, two mobile phones 4806 and 4808 have been related to.This type of financial transaction normally account holder can be payee's account transfer of the account holder related with mobile phone 4808 to one.In other transaction, payee's right and wrong account holder.

[519] identical with BAL request, the PAY request of giving the user of mobile phone 4808 is that to issue the SMS of server 4804 by use message initiated.SMS message is formatd by the user, with the type of the financial transaction that comprises request, that is, and PAY, payee's telephone number (for example, 6263456789), and with their telephone number of account association, once more for example, 4081234567.If account holder's phone is supported MCA, so, all SMS message of exchange can be through encrypting, to strengthen security between mobile phone 4806 and server 4804.

[520] when server 4804 receives SMS message, it is checking sequence number or Transaction Identification Number (if available) at first, and is only correct or be expressed as under the disabled situation in the account record by server maintenance and just proceed at sequence number.Then, server 4804 receives PIN, and judges whether PIN is correct.If sequence number and PIN both are correct, then server 4804 by from mark with account holder's accounts associated (referring to, for example, send to the account holder Figure 43) and by gateway 4802 and to confirm SMS message, handle the transaction of request.

[521] if payee 4808 is account holders, then server 4802 also sends the affirmation message of the fund that acknowledges receipt of.If mobile phone is the equipment of mobile PDA or other supports IP, then message sends by HTTPS, and can be through encrypting, to guarantee security.Encryption can be undertaken by any known method.

[522] if payee 4808 is account holders that MCA has been installed, then MCA can encrypt its message before sending a message to server 4804, and received encrypting messages from server 4804.

[523] if payee 4808 is account holders, but not being supported on the mobile phone, mobile phone downloads and carries out MCA, so, will be plain language from the message of server 4804.Use the disadvantageous one side of plain language SMS transmission of messages PIN to be, this secret number will to can contact phone anyone as seen.This may cause non-account holder's unwarranted use, unless the account holder spends a time to delete SMS message from the mailbox of their mobile phone.If payee 4808 is not the account holder, so, SMS message also will be plain language message.

[524] although the SMS text message is applicable to the mobile communication equipment of mobile phone and some other types, as portable digital-assistant or PDA, but SMS can expose unencrypted password or personal identification number (PIN), and the secret details of balance amount information or relevant nearest transaction.Because anyone who has a phone can read the SMS message file and know account and other confidential information of how to visit another person immediately, therefore, preferably avoids using public SMS message to transmit PIN.

[525] like this, for the mobile device that is sent by affiliate service provider, under the preferable case, mobile device should comprise that MCA is as the software module that is pre-existing in.Perhaps, under the preferable case, MCA can download to from the service provider and not be equipped with the mobile phone of MCA at first.MCA has significant enhancing for the use of financial transaction system.MCA or directly call, or the activation of the SMS text message function on the response mobile device and calling by the account holder.

[526] be to have illustrated in the embodiment that has MCA to use below, use the SMS text message to make the account holder support the detailed description of the device access paying server of SMS from the mobile phone of any support SMS or other.

[527] in operation, the account holder uses the existing text message function on their phone to come to send text messages to server 4804.Function comprises Pay, RequestPay, Balance, History and Help, calls these functions by using in these functions any one as key word.The account holder imports key word together with side information in the text of text message, send to the order of server with structure.Visit to server can be undertaken by free telephone number, short code or e-mail address, and all these are all to this server of SMS gateway identification.An example of short code is 62729, is used as the destination phone numbers that the text message order sends to paying server.An example of e-mail address is sms@obopay.com, and this is the Email target that sends to the SMS text message order of server.

[528] will use the SMS method to pay to other people or businessman, the account holder can import the shown command string of table C.

[529] table C

Key word	PIN	The target Mobile Directory Number	The amount of money	Message (optional)
					pay	###	############		Abed

[530] in some scheme, each and last between all should have at interval.In one implementation, key word case-insensitive.Mobile number can comprise that area code adds Mobile Directory Number, does not have the space in mobile number.The account holder can import guiding 1 in telephone number, or does not import.Dollar mark () does not need to import with the amount of money, but allows input.Alternatively, the user can comprise message first with their payment.MCA encrypts message, and sends with binary mode as data, services SMS message, rather than sends as plain language.

[531] table D

Key word	The target Mobile Directory Number	The amount of money	Message (optional)
				pay	############		Abed

[533] when receiving SMS message, the mobile phone of server 4804 callings and SMS message relating obtains PIN to set up voice-grade channel.PIN is by voice communication channel-promptly, cellular network-send to server 4104.In alternative, PIN sends by the Internet or POTS.

[534] when the SMS that uses SMS method or combination adds speech method the account holder is made Payment Request, they can use manual SMS text message system to accept or refuse this request.

[535] at server end, one or more data centers will have the system that is used for processes financial transactions.Each data center all will comprise the combination of PBX/ACD/VRU technology, to allow the call treatment of a plurality of whiles.Can use the VRU technology that inbound and departures DTMF support able to programme is provided.VRU can be connected to the J2EE system of enterprise of expression actual service logic and the register system of record financial transaction.Then, the J2EE system can be integrated with the actual bank that is used to carry out settlement of transactions.

[536] under the preferable case, MCA is identified for sending the best approach of PIN, as passing through application program SMS (data, services), wherein, SMS message is through encrypting, and is converted into scale-of-two (that is, message is not transmitted with plain language), perhaps, use DTMF to come maintenance safe by voice-grade channel.In other embodiments, PIN can be said by the account holder, and by at server or be exclusively used in the interactive voice recognition software module of working on another server (not shown) of processed voice phone and change.

[537] in an alternative, PIN is encrypted by MCA, and is included in the follow-up SMS message that sends to server 4804.Server 4804 by with telephone number and each then the transmitting time of message mate and make message relating.If PIN sends comparing in the message far away in time with SMS message, then can refuse transaction.If received only in two message, then can refuse transaction.Yet,, so, carry out financial transaction if receive in time and verified SMS message (having key word at least) and the PIN code that has the financial transaction details.

[538] in an alternative, but as the voice-grade channel time spent, MCA can call the module that PIN is encoded to the DTMF form.Then, DTMF sends to paying server by MCA along the voice-grade channel connection of being set up by the mobile client application program.Module can be based on the input of keypad and generate the Java API of suitable tone.DTMF is meant dual-tone multifrequency, is the signal that telephone operator receives when the contact-key of phone is pressed.

[539] in another alternative, MCA provides user interface (UI) on the display screen of mobile device, and the guiding account holder carries out financial transaction.In this embodiment, by automatic insertion key word, the amount of money, destination phone numbers, password, and message (if any), guide the account holder to finish the process that makes up the SMS text message.

[540] in another alternative, SMS message can comprise key word, the amount of money, destination phone numbers and password.The shortcoming of this implementation is, password will to controlling mobile equipment anyone all as seen.Yet the present invention is by sending message to the account holder, and the message that deletion sends the SMS log folder of indication user from account holder's phone is controlled this problem.This message can advise that also the account holder should close the function that writes down the SMS message that spreads out of when using the SMS function to carry out financial transaction in the future.

[541] the present invention also can not use plain language SMS message, but can use the JAVA API that downloads in the mobile phone to carry out financial transaction.JAVA API generates user interface screen, and the guiding user prepares transaction request.Message format and table C or table among the D shown form similar.

[542] in case the account holder has finished transaction request, then the user selectes the SEND option that is presented on the user interface.JAVA API uses cell phone to connect to start voice call, with (IVR) module of the interactive voice recognition on the access server 7104 or DTMF interface.When the DTMF interface was picked up calling, JAVA API used dtmf tone to transfer to transmit transaction request.JAVA API also can use the form of encryption, so that can not deciphered like a cork under the situation that contingency dtmf tone accent is write down in confidence.When IVR provided response to transaction request, response also was through encrypting, then, using DTMF to encode, and transmit back the interested party by voice-grade channel.Because JAVA API has improved security, this embodiment is better than sending plain language SMS.

[543] therefore, communication can transfer to carry out by voice-grade channel and dtmf tone.This just provides another communications conduit of being used to conclude the business (remove SMS, data, services or application program SMS, HTTP, and outside the HTTPS).By having many communications conduits, this provides bigger reliability in system, because when some channel is unavailable, can use other any channels.

[544] Figure 49 has shown the method for the financial transaction that is used to protect SMS-Based according to an embodiment of the invention.More particularly,, MCA is installed on mobile phone relates to, be called as and encrypt and the Transaction Identification Number maker, or abbreviate maker 4902 as, with intercepting SMS message communicating with physics mode insertion minitype circuit board for the mobile device such as GSM mobile handset.

[545] maker 4902 comprise be inserted in the phone can with SIM card 4903 alive circuits.In one embodiment, maker 4902 is to be inserted in SIM card 4903 cover on every side.Perhaps, maker 4902 is to be inserted in the transmitter module 4904 of mobile phone and the pad between the SIM card 4903.SIM card 4903 is Subscriber Identity Module cards, and this is that a kind of mobile phone or other of being inserted into are based on the electronic cards to identifying customer by network of being used in the mobile device of GSM, GPRS or 3G.

[546] though SIM card be used most widely in the gsm system,, compatible module also is used for UMTS UE (USIM) and IDEN phone.SIM card 4903 comprises user's personal identification number, the information such as user's telephone number, telephone directory, SMS message, and other and user-dependent information.

[547] maker 4902 intercepts the SMS message of importing into, seeks the message (referring to Figure 48) from server 1004.When maker 4902 detected the SMS message that is sent by server 4804, it was by being decrypted SMS data, services message, and presented plain language message to the account holder, just as MCA works.

[548] maker 4902 also intercepts the SMS message that spreads out of that mails to server 4804.Moreover maker 4903 also adds the service that Transaction Identification Number provides MCA by concluding the business to each time, and SMS message is encrypted.Because maker 4902 comprises plug in software module, therefore, it can be used as data, services SMS message rather than sends SMS message as plain language.

[549] maker 4902 is intended to be independent assembly sale or otherwise provides, and makes the mobile phone acquisition MCA that is not equipped with MCA reside in the advantage on the mobile phone.In other embodiments, SIM 4903 comprises maker 4902 as card circuit, and offers the user's by the service provider of mobile phone.

[550] Figure 50 has shown the purposes of safe SMS aggregation server according to an embodiment of the invention, wherein, maker 4902 also is redirected to safe SMS aggregation server 5011 with the SMS message that spreads out of, rather than is redirected to service provider's standard SMS server.By send the SMS message that comprises financial transaction information to the SMS of safety aggregation server, reduced the stolen chance of data to greatest extent, reduced the message delay that causes owing to the overload in the SMS server 5010 or lost, and improved overall control the message jettison system.

[551], the figure illustrates new account possessor's registration process according to an embodiment of the invention now please referring to Figure 51.When the payee of fund also was not the account holder, one embodiment of the present of invention were called new client's obtain manner of a virus-type, and existing account holder brings the new account possessor into by remitting money to non-account payee simply.Non-account payee receives a SMS message, illustrates that they have received remittance, and invites them to register, and ability visit fund is shown in 5101.Web is provided the address.

[552] registration can be carried out any affiliate of bank there, or registers online by the access to the Internet Web page, shown in 5102.Registration process allows the payee to open an advance deposit (fund that use is transferred) credit account.This process is similar to opens any other bank account, does not just have minimum account balance, so, even does not have qualification also can participate in the individual that bank obtains check or savings account.

[553] in a single day register, new account possessor has " not having card " restricted account, shown in 1203.In this stage (Phase I), new account possessor can check the fund among their the advance deposit credit account in real time.Yet because bank regulations, new account possessor's account's the access rights to fund are restricted, and up to finishing the OFAC report, shown in 5104, such there that is reported in is suitable for." OFAC " is meant the foreign assets control office of the Treasury Department of USA, this office is according to U.S.'s foreign policy and national security objective, foreign country, terrorist, unauthorized international drug trafficker at appointment, and those participate in the people of the activity relevant with the diffusion of unauthorized mass destruction weapon, manage and implement economy and trade sanction.

[554] contrast a suspect list examination account holder is the basic step in the OFAC adaptive plan.If the account holder is marked as potential and OFAC list coupling, then investigate, in fact really mate judging whether.Before solving, fund can not let pass.On market, can buy software program package and be used to carry out suitability test.The user logging that suitability test identification repeats, between individual and company, set up link, so that carry out traditional and unconventional family finance, creating multi-functional " family finance " key changes As time goes on to follow the tracks of, and set up rule-based processing procedure and repeat, and create link and family finance to solve.

[555] in case the OFAC suitability test is finished (this process approximately will be spent 24 hours usually), do not find disadvantageous link, the account holder can become " not having card " account, this means, financial institution can open advance deposit debit card account, and the plastics debit card sent to the new account possessor, shown in 5105.Yet in this stage (Phase), new no card account holder has only the limited right of eminent domain to fund.For example, new account possessor can use financial transaction system of the present invention that funds transfer is arrived other people, but because extra governments limit, fund can not be extracted or transfer into a businessman.

[556] in the back-end processing part of system of the present invention,, then merge the reservation account and keeping the fund of transferring if the payee also is not the account holder.Ledgers clauses and subclauses sign belongs to the fund (referring to Figure 39) of each telephone number.These funds can transfer into other accounts (if they have registered the account) by the payee.Owing to can not force individual registering account, therefore, the payee might refuse fund on one's own initiative or not respond simply.Under these circumstances, after trading window expires (trading window can be the duration of selecting, as 30 days or 60 days) or when initiatively refusing, fund is returned to the account holder who starts this transaction.Trading server can send regular reminder message to the remitter and the payee of fund.In other cases, if the payee does not also register to obtain the authority of visit fund, then the remitter of fund can non-payment.This function is under the situation that each side's agreement cancellation wire transfer is also concluded the business in another way, and is very important.

[557] if all account holders' fund all is retained in the combined account, so, when new account change " work ", then the new account possessor has instant completely access right to fund.If fund all is retained among the independent account for each account holder, then when the account became " work ", fund transferred into account holder's account from reservation.Have some delay, fund just can appear in the personal account.

[558] in case opened the account, and passed through suitability test, financial institution sends to the plastics debit card address in new account possessor's the record.When snapping into when reaching, the account holder dials free call numbers, acknowledges receipt of.This affirmation phone shows that also this account possessor's address is correct.

[559] in dialing this phone process, the account holder also selectes their PIN.PIN is linked to the telephone number of card and account holder's mobile phone.In addition, account number and the phone on the plastics debit card also is locked in together.Card can be used for extracting cash or save cash from the account in the account by the ATM of any bank.It also can have POS equipment to receive credit card and use any businessman merchandising location of bank card.At this stage (Phase I), account holder's account is activated fully, uses for the possessor.

[560] now please referring to Figure 52, the fraud detection system 5200 of layering is to show as the part of transaction processor 3630.The ground floor of the system 5200 of layering comprises the assembly 5201 that rule-based engine and user select.The second layer of hierarchical system 4502 comprises proprietary assembly, and the account holder can not visit these assemblies.

[561] assembly selected of user comprises that for example, the account holder is the ability of their account's custom security.The account holder can link a plurality of phone numbers of the kinsfolk who is authorized to visit the advance deposit account.For each designated telephone number, the account holder can specify every day, weekly or every month the highest cost restriction.The account holder can get rid of some businessman, account number or telephone number by being the establishment individual of each side " blacklist " of the eliminating of appointment.

[562] specific blacklist implementation allows the account holder to specify asterisk wildcard to get rid of item, transfers accounts to any phone with specific area code or to any " 900 " or foreign number as stoping.The account holder can create independent individual blacklist for authorized users.The unsuitable cost of child that this function is furnished with mobile phone for control is particularly useful.Can there be the number or the account of any amount to be included in the blacklist.

[563] opposite, the account holder also can specify some businessman or the telephone number that can be included in the financial transaction that relates to some authorized users.Every other businessman and telephone number can be regarded as on individual blacklist alternatively.Moreover this function is bought ticket, lunch by allowing child, and the supply of school, but does not allow to buy magazine or other novelties, and is particularly useful for control child's cost.

[564] except that specifying individual blacklist and white list, the account holder also can authorize in advance in the shopping that appears at each the businessman there on the white list, and other numbers on the white list is provided with the restriction of each transaction.

[565] account holder can self-defined rule-based fraud detection mechanism, and this mechanism also realizes at ground floor.

[566] account holder also can specify each time the Maximum Amount of transaction, and the quantity of manageable transaction on mobile phone in the seclected time section.The account holder also can specify the Maximum Amount that will deposit and be retained in the fund among the advance deposit credit account.3630 every days of transaction processor are transferred to the account of another appointment with unnecessary money, as personal savings account.

[567] second layer of hierarchical system 5202 comprises proprietary assembly, and the account holder can not visit these assemblies.For example, the second layer 5202 comprises based on history average, geographical checking, the highest cost restriction that the historical quantity of current transaction has been done.Here also can realize other rule-based fraud detection and trading frequency (speed) controlling mechanism.

[568] swindle and risk rule engine (not shown) are by using the cost restriction, and determine the acceptability of the transaction of asking from the angle of risk, control risk.Such fraud detection system is known, usually is used for monitoring swindle when using credit card.Can excavate the information of collecting, use for businessman and consumer's value-added application, commercial monitor application, system operation application program and security monitoring application program into each financial transaction.

[569], the figure illustrates the combined account embodiment that minimizes ACH and credit card trade expense now please referring to Figure 53.Present embodiment is not for each account holder safeguards an independent advance deposit credit account, merges advance deposit credit account 5300 but utilize.When concluding the business between the account holder, shown in 5301, fund is retained in the combined account 5300, still, moves on to another account holder's account from an account holder's account.Account transfer is directly, for system operator, can not produce any tranaction costs.Therefore, can charge, almost not have tranaction costs, perhaps seldom to the account holder.

[570] sometimes, the account holder can be in combined account the interpolation fund, shown in 5302.Such fund can leave agreement in accepts the cooperation businessman there of fund from the account holder, and then, these funds are saved in the combined account.Perhaps, the plastics debit card that the account holder can utilize them is carrying out on the Internet, or is transferring accounts with phone, or automatically carrying out at ATM deposit cash gold or check, as specified with the subscriber data page of each account association.

[571] other the time, the account holder can be outside combined account allotted fund, shown in 7103.When maintaining a balance in the new account possessor does not wish advance deposit credit account at them, they can extract such fund.

[572] in this embodiment, system operator is that the account comprehensively discusss, and with regard to risk and risk control, becomes register system.System operator also is responsible for carrying out the OFAC suitability test.System operator can be bank, financial institution, also the combined account management can be subcontracted to another bank.

[573] in one embodiment, use near-field communication between mobile device, to communicate to use architecture of the present invention to carry out financial transaction.In another embodiment, use near-field communication between mobile device and POS terminal, to communicate, to carry out financial transaction.

[574] security and anti-swindle

[575] security and anti-swindle are important subjects under discussion for the payment industry, and are the problematic sources that continues.According to mobile payment account transfer architecture of the present invention and method of operating, be effective tool at these problems.Specifically, carry out financial transaction by using mobile device, can carry out real-time transaction, the fund of use guarantees available.The take over party can verify the legitimacy of the entity of holding fund, and whether the account has enough remaining sums and conclude the business.Under the preferable case, needn't provide account information (credit number, debit card number or be arranged in other accounts of financial institution) to conclude the business.

[576] at the originating end of transaction, transmit leg uses the PIN code to identify the people who takes on the telephone.This checking provides high-caliber security, because paying server can use Caller ID to discern mobile device, and discerns the people who uses mobile device by PIN.Under the preferable case, the fund of transferring accounts in the mode of safety can not be stored in the mobile device with visible form.

[577] in addition, transaction also can identify by unique serial number, and this unique serial number is determined by MCA, and sent to paying server as the part of command stream.On paying server, safeguarded the history of employed sequence number, so, the transaction of employed sequence number will can be not processed before having.After transaction each time and before transaction next time, this sequence number of sequence number update that the mobile device utilization is new.For example, new sequence can be that old sequence number increases by 1.In a kind of alternative implementation, sequence number can be any numeral, comprises random number.In addition, also can use the algorithm of creating predictable or pseudorandom number sequence.This Serial No. can use from relevant information or the seed created of the hash function of other information such as telephone number, constantly and generate.When carrying out initialization, provide initial sequence number to paying server, know algorithm and seed, so, it can predict that what sequence number the next one should be.If sequence number is incorrect, then server refusal transaction.This can help to prevent to inveigle attacks.

[578] sequence number helps to prevent swindle, has also avoided the repetition of financial transaction, and repetition may be because communication protocol causes that Transaction Information may be sent out repeatedly.This is similar to such situation: if facsimile recorder is not received normal affirmation, it can attempt moreover send fax.

[579] if use SMS message to finish transaction, then authorizing under the PIN preferable case is the bright oral code of reading in the mobile device and being transferred to paying server, so that use speech recognition software to verify.

[580] be to use movable mandate under the merchant transaction preferable case, wherein, account holder's phone receives first message and sounds, and allows the dollar amount of money of approval account transfer.Credit card and check can not utilize operating alternately of this level.

[581] by using the PIN code to activate MCA, provide bigger security.In this embodiment, the PIN code appears in first example, opens MCA, and starts its operation.Same PIN code, perhaps, under the preferable case, an independent PIN code is used for by network transaction being authorized.This pair of PIN code process is unavailable to credit card, check or smart card.

[582] when detecting swindle, can forbid this mobile device, and stop it to use network to visit the account.Generally speaking, mobile device has a plurality of determinant attributes, promotes following safeguard protection.If not all at least great majority these attributes be not present on the card.Particularly, mobile device comprises that independently power supply moves physical equipment, as special chip, and the Secure Shell that can cover the equipment such as intelligent chip.Mobile device allows to communicate by voice and by cellular network or by the Internet, so, speech verification and PIN can be combined use, or uses individually, with the identified account possessor.Can start and the checking transaction by using speech recognition technology and utilizing the data of importing by keyboard.In other embodiments, Image Communication provides by using camera.

[583] another safe floor is to provide by use location technology (as earth-fixed system), and perhaps GPS can determine devices'physical locations.So, if the account holder in atypical position (as when they just on holiday the time) use payment services, then can be by requiring to re-enter the user that PIN identifies the account.Another advantage of location technology is to adjust the service that can use the account holder based on the position at account holder place.For example, when the position of account holder's location matches businessman, can send discount or special promotion information with the affirmation of transaction.In other embodiments, if the account holder is positioned at the area that certain is providing the businessman of special discount, if the then this account possessor's who is safeguarded by paying server data mandate then can send promotional messages to this account possessor.

[584] Figure 54 has shown mechanism and the method that is used to according to an embodiment of the invention to prevent to swindle with multiple repeat business request.Anti-swindle mechanism is included in the register on each mobile phone and storage sequence number in paying server.Usually, shown in 5401, when Activating Phone payment services, initialization sequence number.Simultaneously, the identical sequence number of initialization in paying server, and be stored in the database with other information of account holder.

[585] when receiving transaction request, shown in 5402, paying server is received a sequence number from mobile phone, and it is compared with the sequence number that keeps in the paying server.If two sequence numbers match, shown in 5403, so, the payment authorization server transaction is proceeded.Then, with the sequence number update in mobile phone and the paying server be a new sequence number.This security mechanism is used to prevent inveigle attacks or clone's phone.Then, require the user to import their PIN, shown in 5405.By sequence number and PIN and phone number are combined use, there are three level securities to cover, user (PIN), telephone number (detecting and be linked to certain accounts by Caller ID) and sequence number are verified, prevent that with the checking transaction invador from attempting to catch transaction, and then submit the transaction request that repeats to).Sequence number also is used to distinguish the repeatedly trial and the effective a plurality of transaction that are used to provide transaction message of SMS system.

[586] if sequence numbers, paying server refusal transaction request then, shown in 5406, anti-swindle measure is activated, shown in 5407.As example, when sequence numbers, the account can be frozen, can determine the reason of sequence numbers up to the Customer Service Representative.This may need to phone the account holder, inquires whether they still have their phone, and whether they authorize and carry out the transaction attempted.

[587] Figure 55 has shown another embodiment that is used to according to an embodiment of the invention to prevent to swindle with the mechanism and the method for multiple repeat business request.

[588] 5510, user (that is account holder) goes up at mobile telephone equipment (for example, mobile phone) and starts financial transaction.5511, the user is transmission PIN (option A) when starting transaction.Perhaps, as shown in 5512, the user is not transmitted PIN (option B) when starting transaction.

[589] at 5513 places, paying server receives the request that starts financial transaction from mobile device.Server is checked by caller ID (Caller ID) numbering of mobile device transmission 5514, is looked at whether mobile device is the authorized users of system.If on phone, do not enable Caller ID, then forbid transaction, as shown in 5915.Can show an error message, be under an embargo to point out transaction, because the Caller ID not enabled.The user can retry request after enabling Caller ID.

[590] if selected option B, then server must send a request to mobile device, requires the user to transmit PIN, shows as 5516 places.This PIN can be by mobile device keypad or voice interactive voice response (IVR) unit of server (for example, to) transmit.

[591] in a single day verified Caller ID, the PIN that then writes down in the server contradistinction system checks from the PIN of mobile device transmission, whether PIN mates the telephone number of expection with checking, shows as 5517 places.During PIN coupling that and if only if, server just allows to conclude the business.If PIN does not match, then forbid transaction, show as 5518 places.

[592] then, server receives the Transaction Identification Number (also abbreviating sequence number as) of financial transaction from mobile device.Transaction Identification Number can send when starting transaction, or later part transmission as the information transmission between mobile device and the server.Transaction Identification Number comprises makes its unique idempotence key.

The current Transaction Identification Number from mobile device was checked in already used Transaction Identification Number tabulation before [593] server also contrasted, and showed as 5519 places.This list storage is in the database related with server.If current sequence number is mated in the previously used sequence number any one, then the user is not tested and appraised, and transaction will be under an embargo, as shown in 5520.This verification step to a plurality of copies that prevent message by as new and independently message is useful.Intercepted the situation that old transaction is resubmited in message first and attempt for the hacker, also prevented hacker attacks.

[594] in certain embodiments, server also contrasts the Transaction Identification Number that is stored in the expection in the server, checks the Transaction Identification Number that receives from mobile device, shows as 5521 places.If sequence numbers, then the user is not tested and appraised, and transaction will be under an embargo, as shown in 5520.

[595] if be stored in sequence number on the server from the sequence numbers match of phone, or not have the numbering of use in the past, then the user is tested and appraised, and will allow financial transaction to carry out.In certain embodiments, server only carries out the Transaction Identification Number checking, shows as 5519 places.In other embodiments, server only carries out the Transaction Identification Number checking, shows as 5521 places.In other embodiments, server only carries out the Transaction Identification Number checking, shows as 5519 and 5521 places.As long as it is not have usedly in the past that server is determined the sequence number from phone, and/or the sequence number of expection then will allow to conclude the business and carry out.Sequence number also can be used as unique transaction identifiers.

[596] server is also stored former sequence number, or otherwise is expressed as already used sequence number in server, shows as 5622 places.These previously used sequence numbers can be stored in the database on the server.If the sequence number of an expection of server maintenance, then the sequence number in phone and the server increases progressively, and thinks that transaction is prepared next time, shows as 5623 places.Then, server continues to finish financial transaction, shows as 5624 places.

[597] a kind of three factor authentication technology are identified based on following factors:

[598] (1) checks Caller ID

[599] (2) check PIN or personal identification number

[600] (3) check Transaction Identification Number

[601] Shang Mian verification method presents some verification steps by specific order.A kind of implementation of the present invention is by carry out these steps to definite sequence.Yet, in other implementations of the present invention, other steps can be arranged, perhaps also can omit some steps, perhaps the order of step can be different from top order.For example, Caller ID, PIN, and transaction can be not in order.Therefore, in one embodiment, can before Caller ID, check PIN.In another embodiment, can before PIN, check Transaction Identification Number.In addition, some top steps can also be carried out in the heart at different processors or processor core simultaneously with the implementation of parallel processing.

[602] in one implementation, system of the present invention can omit top listed one or more verification techniques.For example, Caller ID can be do not identified, so, two factor authentication methods will be used.

Traditional pattern of [603] two factor authentication is based on (1) you had and (2) known to you.First factor is the whatsit that the user has, as mobile phone, personal digital assistant, smart phone, or plastic clip.Second factor is the whatsit known to the user, as personal identification number (PIN), mother's birth name, street address, social security number, driving license numbering, or home phone number.

[604] be to use three factors also to be to use two factor authentication can depend on mobile device and the employed communications conduit of server.For example, when using SMS or data, services SMS, there is Caller ID to use, then can uses three factor authentication.Yet when using HTTP or HTTPS, Caller ID is unavailable usually, will can not use three factor authentication.Can be useful on the extra factor of identifying account holder or user, so, technology can have the factor more than three.In addition, the 3rd factor of checking can be managed by client and server end component software.

[605] exemplary three factor authentication flow processs

[606] (1) is gone up at mobile telephone equipment (for example, mobile phone) and is started financial transaction

[607] (2a) (option A) transmits PIN when execution in step 1.

[608] (2b) (option B) do not transmit PIN when execution in step 1.

[609] (3) receive the request that starts financial transaction from mobile device on server.

[610] (4) are checked by the caller ID (Caller ID) of mobile device transmission on server, look at whether mobile device is the authorized users of system.If on phone, do not enable Caller ID, then forbid transaction.Can show an error message, be under an embargo to point out transaction, because the Caller ID not enabled.The user can retry request after enabling Caller ID.

[611] (5) in case verified Caller ID, then enter step 6 if selected option A.If selected option B, in case verified Caller ID, then server sends the request of transmission PIN to user's mobile device.This PIN can be by mobile device keypad or voice interactive voice response (IVR) unit of server (for example, to) transmit.

[612] (6) Caller ID empirical tests, therefore, the PIN that writes down in the contradistinction system checks from the PIN of mobile device transmission.If the PIN coupling then enters step 7.

[613] (7) receive the Transaction Identification Number or the sequence number of financial transaction from mobile device.This Transaction Identification Number can send when execution in step 1, also can send in the information transmission between mobile device and server later on.Enter following 8a (option C) or 8b (option D).

[614] (8a) sequence number of storing in (option C) contrast server is checked the sequence number from mobile device.If sequence numbers, then the user is not tested and appraised, and transaction will be under an embargo.

[615] (8b) (option D) contrast is stored in the tabulation or the database of the former employed sequence number in the server, checks the current sequence number from mobile device.If current sequence number is mated in the previously used sequence number any one, then the user is not tested and appraised, and transaction will be under an embargo.

[616] (9) if be stored in sequence number (for option C) on the server from the sequence numbers match of phone, or not have the numbering (for option D) of use in the past, and then the user is tested and appraised, and will allow financial transaction to carry out.For option D, in other words, be not have usedly in the past as long as server is determined sequence number from phone, then will allow to conclude the business and carry out.

[617] if (10a) selected option C, then the sequence number in phone and the server increases progressively, and thinks that transaction is prepared next time.

[618] if (10b) selected option D, then the sequence number in the phone is incremented to next sequence number.Sequence number in the past is stored in the server, or otherwise is expressed as already used sequence number.These previously used sequence numbers can be stored in the database on the server.

[619] the various implementations of Transaction Identification Number or sequence number checking

[620] (1) uses the initial transaction number value that is stored on mobile device and the server when the service initialization.Initial transaction number can be (1a) or (1b).

[621] (1a) initial transaction number can be an integer, as 0,1,2,3,4,5,6,7,8,9,10, or other numerals.

[622] (1b) initial transaction number can be a random number, as the random number by pseudorandom number generator and given seed generated.This seed can be based on the attribute of equipment or the hash code of feature.For example, seed can be based on the attribute in the integrated circuit of the sequence number of telephone number, equipment, equipment or the value of storage, or the real-time clock value.

[623] (2) when the user uses those application programs of using Transaction Identification Numbers checking, the Transaction Identification Number value will from initial or before the Transaction Identification Number value become next one value the sequence.Sequence can be any progression, and is mathematics, pseudorandom or other kinds.Sequence can be limited, unlimited, or the progression that repeats.If repetition progression, then the quantity of the Transaction Identification Number in the progression can be based on the quantity of the binary bits that is used to represent Transaction Identification Number before its repeats.

[624] (2a) for example, sequence can be arithmetic or how much.For the example of arithmetical series, Transaction Identification Number can increase progressively 1 or any other value (or successively decrease 1 or any other value), to obtain the next Transaction Identification Number in the sequence.If use eight binary bits to represent Transaction Identification Number, then sequence will just repeat every 256 numerals.If use 16 binary bits to represent Transaction Identification Number, then sequence will just repeat every 65536 numerals.Therefore, employed bit number is many more, and sequence is just long more.

[625] (2b) sequence can be the pseudo random number that is generated by pseudorandom number generator.The sequence of pseudo random number will be based on initial seed.Pseudo random number can use floating number to represent.Floating number can use the binary floating point representation to store.

[626] (3) after transaction each time, mobile device and server (in server, will contrast identifying the Transaction Identification Number of mobile device) both is according to the next Transaction Identification Number in the identical algorithm formation sequence.If mobile device uses arithmetical series, then server also will use arithmetical series.If mobile device uses pseudo random number progression, then server also will use pseudo random number progression.The employed same seed of mobile device also will use for server.Depend on the specific implementation mode, this seed can be transferred to server by slave unit, otherwise perhaps, perhaps determines independently.

[627] (4) mobile device and server will be stored corresponding Transaction Identification Number separately.Transaction Identification Number on the mobile device can abbreviate the mobile device Transaction Identification Number as.Transaction Identification Number on the server can abbreviate the server Transaction Identification Number as.

[628] (5) when transaction was carried out, server can compare the Transaction Identification Number of storing on the Transaction Identification Number of its storage and the mobile device.If the Transaction Identification Number coupling, then checking is passed through, and transaction will be allowed to carry out.Otherwise transaction will be under an embargo.

[629] (6) after allowing transaction, on mobile device and server, Transaction Identification Number will advance to the next Transaction Identification Number in the sequence.

[630] use Transaction Identification Number to identify that these technology of mobile device can help prevent swindle, repeat business, reach other and do not wish situation about taking place.The specific implementation mode of Transaction Identification Number checking has many variations, can use these any in changing, also can with the method as described above use that combines.For example, not to check from the Transaction Identification Number of the mobile device numeral of the correspondence on the match server whether, (a) the do not match numeral of the correspondence on the server that whether verification technique can check Transaction Identification Number, (b) do not match on the server before employed numeral (noted earlier) as the application.

[631] Figure 57 has shown the example of sequence number checking.Consumer's computer equipment (for example, telephone plant, smart phone, or portable computer) and enterprise application are arranged.On consumer's computer equipment, sequence number checking (SNA) client software component is arranged.Enterprise application comprises sequence number authentication server component software.When consumer device when server sends transaction, these assemblies are verified.This checking can be the 3rd factor in the three factor authentication methods.

[632] in the specific implementation mode, the counter of client sequence number checking component tracks through encrypting, this counter begins with nonzero value at random, is provided with in the client installation process.When concluding the business each time, client SNA assembly all increases progressively a nonzero value at random with client count device value.Server sequence number checking assembly is followed the tracks of " receiving at last " Counter Value of client based on client identifier.If the client count device value of importing into is greater than the value of receiving at last, then transaction is accepted.Counter Value is stored, and transaction is performed.Otherwise if Counter Value is not more than the value of receiving at last, it is invalid then to conclude the business, and can suspend the account.This implementation is a kind of, and the sequence number checking has many possible variations.

[633] Figure 58 has shown another example of sequence number checking.In this particular technology, depend on the client of initiating transaction, use dissimilar sequence numbers, and send it to the mobile payment service server.For example, can use Fat Client or thin-client.

[634] example of Fat Client is included in application program or the program of carrying out on mobile phone, smart phone, portable computer or other electronic equipments.The part of application program or application program can be write with the programming language such as J2ME, BREW or .NET CF.Application program can be the specific application program that is used to carry out mobile payment.User's screen of having described the example of such program and followed in the application's other places.Perhaps function can be the part of another program, as, instant messaging program, real-time the Internet chatting programme, file transfer program, music player program, video player program, file sharing program, charging payment services interface routine, or bill separable programming.

Messenger, Microsoft Windows Live Messenger, GoogleTalk or Skype) time, will have an option of paying to another user.The option of paying can conduct interviews by the right-click mouse or by pull-down or cascading menu.The recipient can pass through user name, member's name, telephone number, membership number, account number, or another identifier identifies.Payment will be handled by the mobile payment service server.

[636] example of the thin-client phone or other equipment that comprise web browser application, have the SMS text message has phone or other equipment of WAP browser or terminal emulator.

[637] in specific implementation mode of the present invention, when using Fat Client, the sequence number of storage will for good and all be stored in the counter in the Fat Client.The sequence number of this storage can be followed any arbitrary sequence, as continuous integer or binary counter (for example, 1,2,3,4, or the like), and based on the random series of known initial seed, or according to the sequence of equation, formula or rule.The sequence number of storage can be stored in, for example, and (E^2) storer of flash memory, electric erasable, nonvolatile memory, battery-backed storer, hard disk drive, or in other storeies.

[638] for transaction each time, send idempotence key (in other implementations of the present invention, being called sequence number) to mobile-payment system.For Fat Client, key will comprise the combination of the sequence number of member ID and storage.The sequence number of this storage can be the sequence number of next untapped storage.When mobile-payment system received the idempotence key of Fat Client, transaction was stored in the tran list with the idempotence key.In tran list, each idempotence key is unique with hope all.So, if mobile-payment system receives the transaction that another has the idempotence key that receives in the past, then this transaction can be ignored, because it may be repeat business or safety issue.

[639] in the specific implementation mode, can come mark user's account with potential breach of security mark, study for the people.If the user has many such violations or have many such violations in special time period, so, can automatically suspend this account, so that investigate.

[640] in specific implementation mode of the present invention, when using thin-client, the idempotence key will comprise member ID, Target id, dealing money, and the time (or timestamp).Mobile-payment system will receive this idempotence key, and handle similarly with situation when receiving Fat Client idempotence key.

[641] therefore, mobile-payment system of the present invention goes for dissimilar clients, and each client type can send dissimilar idempotence key or sequence number.This embodiment has two kinds of dissimilar idempotence keys, still, in other embodiments, the idempotence key or the serial number type of any amount can be arranged.For example, can there be three kinds, four kinds, five kinds, six kinds, seven kinds, eight kinds, or more kinds of Key Tpe.

[642] used and guaranteed that Request System carries out the technology of authenticity in the wireless transmission source of transaction.Transaction can be person-to-person remittance or the transaction of other exchange of value.The wireless transmission source can be mobile phone or other similar equipment.The wireless transmission source is with the transaction request transmission security key.System will determine the authenticity of transmission based on the key of transmission.If it is real that transmission is confirmed as, then transaction is handled.The whole bag of tricks that is used for determining authenticity has been discussed.Also can use and prevent to handle the technology that repeats to transmit.

[643] in one embodiment, the present invention includes reception from the electronic request of subscriber equipment with the exchange of value transaction of wireless mode transmission; With electronic request with the key that receives with the related transmission of electronic request; And whether the key of judging described transmission is present in the tran list.If the key of transmission is not arranged in tran list, then transmission will be regarded as real.Therefore, the key of transmission and exchange of value transaction are imported in the tran list, by system exchange of value are concluded the business and handle.If the key of transmission is arranged in tran list, then transmission is not regarded as real (maybe may be to repeat transmission).Therefore, system does not conclude the business to exchange of value and handles.Subscriber equipment can be a mobile phone.

[644] in one implementation, the key of transmission comprises and has identified the electronic identifier of having asked the exchange of value transaction, and sequence number.Sequence number is stored in the subscriber equipment, advances to the next one numbering in the sequence before the next exchange of value transaction of user device transmissions.Then, effective each time transmission all should have different or unique sequence number.

[645] sequence number can be stored in the permanent memory of non-volatile or other form in the subscriber equipment, as (E^2) storer, the magnetic store of quickflashing, electric erasable, or in the battery-backed storer.This will guarantee to transmit each time all and will have unique value.

[646] Chuan Shu key can comprise pseudo random number, as the pseudo random number of using pseudorandom number generator and using the specific seed value to generate.When generating new pseudo random number, seed all will change at every turn, so, will generate the sequence of pseudo random number.

[647] in one implementation, the key of transmission comprises first electronic identifier that has identified the user who has asked the exchange of value transaction, identified the user's of the target of concluding the business second electronic identifier as exchange of value, the amount of money of exchange of value transaction, and with the related time of exchange of value transaction.

[648] in one implementation, the exchange of value transaction can be to remit money to second user with another user device association from first user with user device association.For example, first user can ask to pay a certain amount of fund from first user's account to second user.

[649] Chuan Shu key can not be presented on the subscriber equipment, and so, the user will can not know it.This can be for the people of the fund among the account who prevents to attempt " clone " another user's account and use another user of great use.If show the key of transmission, then another user can low weight loose ground determines the next one numbering in the sequence, use function or equation to generate key, or other can help key is carried out the information of reverse engineering.In further implementation, the key of transmission is encrypted, make the wireless transmission of intercepting key be difficult to carry out.

[650] can send electronic request by the SMS text message service of subscriber equipment.Key also can use the SMS text message service to transmit.

[651] when using dissimilar clients or program, the key that can generate in a different manner or obtain to transmit is as passing through different functions.For example, key can comprise different information.When subscriber equipment uses first application client to send electronic request, key can comprise the first information, when subscriber equipment used second application client that is different from first application client to send electronic request, transmission security key can comprise second information.The example of the first information can be to comprise the key of the sequence number of storage for good and all.The example of second information can be the key that comprises time or timestamp.

[652] first application clients can be Fat Clients, as the exchange of value transactional services application program (for example, writing with J2ME, BREW or .NET CF) or the instant message application program of the special use carried out on subscriber equipment.Second application client can be a thin-client, as the SMS message application on the subscriber equipment, the WAP browser on the subscriber equipment, or the Web browser on the subscriber equipment.When from Fat Client transmission request, the value (as the counter of storage) of permanent storage can be arranged, this will be used for key.Yet, when from thin-client transmission request, may there be the value of permanent storage, on the contrary, time or timestamp can be used for key.System can handle and receive different keys or different Key Tpes.

If the key of transmission is arranged in tran list, this means that [653] transmission sends before may being, perhaps someone attempts invasive system.Can suspend user's account, and further study incident.This will prevent the further illegal transaction to user's account.

[654] in addition, the process that transaction is handled to exchange of value can be included as the exchange of value transaction and generate the transaction ID symbolic code.This transaction ID symbolic code will be generated by the system that request is handled.Can send the electronic information that comprises the transaction ID symbolic code to subscriber equipment.The transaction ID symbolic code can be checked on subscriber equipment.This can make the user have the Ref. No. of transaction, and so, the user can directly discuss or inquire the situation of relevant transaction with the customer service representative.This transaction identifiers can be uncorrelated fully with authentication key (generating on subscriber equipment).Transaction identifiers can be generated by the affiliate of bank who handles transaction.In alternative implementation, key can be used for generating or creating transaction identifiers.

[655] in one embodiment, the present invention includes reception from the electronic request of subscriber equipment with the exchange of value transaction of wireless mode transmission; Receive the key of the transmission related with electronic request; Generate the key of expection; The key of transmission and the key of expection are compared; And, if the key of the key match of transmission expection, then salvage value exchange transaction.The exchange of value transaction can be to remit money to second user with another user device association from first user with user device association, and wherein, subscriber equipment is a mobile phone.

[656] process of the key of generation expection can comprise that using is that the seed that the user account related with the exchange of value transaction stored carries out evaluation to a function or equation.In addition, user account also can be stored the specific function of the relevant key that is used for generating expection or the information of equation.For example, some users can use a specific function to generate key, and other users use other functions.For different users, use different initial seeds, after using each time,, be used to generate next key with creating new seed.In other words, this method further is included in carries out determining the next seed in the sequence after the evaluation to function, and replaces with the seed of user account storage with the next seed in the sequence.

[657] for example, subscriber equipment has counter, is used for the counting of particular sequence, and uses specific function (for example, pseudorandom number generator) to generate the key in this sequence.At server end or system end, server will be known the key of expection, because it is stored in user's the data, also will know with the function that generates key.If the key of the key match of expection transmission, so, user's request is tested and appraised.As mentioned above, employed function or equation can each user ground or each equipment ground, change when perhaps even at every turn using.To be stored in somewhere in the system with the sign of the function of the key that generates expection or equation, as be stored in user's the data.

[658] specifically, the present invention can comprise: retrieve seed from the subscriber data related with the exchange of value transaction; The relevant information of using the function of the key that generates transmission of retrieval from subscriber data; And, use seed that function is carried out evaluation.As discussed above, method of the present invention can comprise also can not comprise different functions.Under these circumstances, function information will not need in the data of being stored in.

[659] key of expection if the key of transmission does not match, then not salvage value exchange transaction.Can suspend and the related user account of exchange of value transaction, to prevent the further transfer of funds, because the situation of the breach of security has taken place.Can carry out mark (for example, be presented on the screen, send Email transfers immediate news) to the account to the system manager, allow the system manager further study.Perhaps can send a robotization Email, with contact customer service representative, because the situation of the breach of security has taken place user's account.

[660] process that transaction is handled to exchange of value can comprise: the transaction ID symbolic code that generates the key that is different from expection for the exchange of value transaction, send the electronic information that comprises the transaction ID symbolic code to subscriber equipment, wherein, the transaction ID symbolic code is presented on the subscriber equipment.

[661] payment system architecture-mobile client application program (MCA)

[662] in one embodiment, MCA is based on Java 2 platforms, enterprise version (J2EE), and this is the simple and direct interface.As a result, the account holder imports their request msg-as the amount of money, telephone number, or other account identity information, as take over party account's e-mail address or instant message ID, and PIN.MCA design the configuration flexible and convenient of getting up, for different language, has different versions, be designed at Java 2 MobileEdition (J2ME) .NET and WAP, BREW, Symbian, and the operation down of SIMToolkit or other mobility protocols, and can terminate on the platform such as cellular device, PDA or other mobile electronic devices.Java .Net, Brew, Symbian and Sim Toolkit are considered to their corresponding possessory trade mark.MCA also can be used for telephone operating system, comprises Nokia, Motorola, Samsung, Sanyo, and other common brands.Under the preferable case, on mobile device, do not need special semiconductor devices or " chip " to carry out the economical of safety, and mobile financial transaction.

[663] be start-up operation, the account holder installs (or having installed) MCA on their mobile phone.Providing of application program can be carried out in the following manner:

[664] (1) provides in the mode that wireless mode uses WAP to push away, and paying server sends message to the account holder, downloads to start application program.Perhaps, the mode that the account holder can use WAP to draw sends message to paying server, to start this processing;

[665] (2) customer acceptance center, liftoff the providing of cooperation merchant location low coverage, or the mobile service provider can pass through bluetooth, infrared ray or other near field wireless connections, and MCA is installed;

[666] (3) the Internet is downloaded, and the account holder can download this program by the Internet, and by USB port install it-or even can program be downloaded to another phone from a phone; Perhaps

[667] (4) on SIM card, the account holder can buy the equipment that MCA has been installed on SIM card.

[668] under sample situation, the user has the mobile device that is equipped with near field communication (NFC) function.The user can check that he wishes the product of buying.The user with user's mobile device be placed on the near-field communication equipment related with product near.Then, whether the display inquiring user of mobile device agrees transaction, to buy product.If transaction is then handled in user's approval.The user will receive commodity, and as getting from the delivery point, perhaps commodity can be delivered to user's addresses of items of mail place.Can point out the user to import PIN or challenge, ratify transaction to verify them.

[669] one aspect of the present invention is mobile-payment system or service.The application has discussed the many specific embodiments and the implementation of single component and element, the variation of these embodiment and implementation and modification, and their combination.System of the present invention can comprise any in the variation discussed or the specific implementation mode, individually or with the form of any combination.In this application, provide the example of the specific implementation mode of mobile-payment system, this specific implementation mode is the Obopay system.The Obopay system is a kind of implementation of mobile-payment system, is used for low weight loose ground and describes various aspects of the present invention.The present invention has comprised many mobile-payment system implementations, is not limited only to described specific implementation mode.

[670] mobile applications is handled mobile client application program (MCA)

[671] the mobile client application program allows people to give by their mobile device for paying

Friend, shop, and allotted fund.The account holder can utilize the mobile device of supporting text message or mobile Internet function, and visit MCA remits money or asks to remit money from anyone.They also can see they advance deposit credit account's remaining sum and history in real time.

[672] MCA supports following function: payment, remaining sum, history, request payment, setting help.Can use MCA to support any mobile subscriber's remittance of text message to its equipment from an account holder account.Remitting money, must be the account holder; Yet, to the people or the businessman of its remittance can not be.

[673] financial transaction can be started by payer or payee.If the payer starts transaction, then use MCA to start transaction.Use MCA from advance deposit credit account remittance, the account holder will be through the following step sequence:

[674] (1) opens the MCA on account holder's the mobile device.This will take the account holder to the beginning screen, and Display Logo and mark are capable.Then, the account holder continues by " input ".This will take the account holder to the master menu picture, show the menu of the function of MCA, comprise payment, remaining sum, history, request payment, will be provided with, and help.

[675] (2) then, the account holder selects " payment " option, remits money.This will take the account holder to " payment " screen, and the account holder will import them and wish telephone number to its remittance.

[676] (3) will select the telephone number in account holder's the telephone directory, the account holder will select option (soft key of the lower left from the mobile device), search (from options menu) then, to demonstrate account holder's existing telephone address book, and allow them to select one of them name.Alternatively, the account holder can be directly from keypad input telephone number.In another embodiment, the account holder imports short code and identifies the required payee of businessman.In case the account holder has imported Mobile Directory Number, they will select " determining ".

[677] (4) this will take them to amount of money screen, the account holder will import them and wish the amount of money paid.The tip screen may appear in the data that depends on the payee, offers the account holder and add the chance that they wish the tip paid in the amount of money.

[678] (5) select " determining " as the account holder, and they will be brought to message screen, and they can add message in their transaction.This message can be text, audio or video annex.If the account holder does not wish to add message, they can only need to click " determining " before writing message, will can not add message in transaction.If the limited bandwidth of transmission network, then the account holder can be restricted aspect the type of message and the length.If the take over party of transaction does not have to handle the mobile device of video or audio message, then message can be stored on the server in short time, to allow carrying out follow-up retrieval by the Internet.

[679] (6) in case the account holder selects " determining ", and they will be brought to the PIN screen, and at this, they will import PIN, and selection " determining ".When input PIN, alphanumeric character can not appear on the screen, but shows pseudo-character.In addition, search PIN in message logging that can not be on mobile device or other daily records.If another person can touch mobile device, then they can not determine PIN.

[680] this will take the account holder to the affirmation screen, and this screen will show following message:

[681] pay: (destination phone numbers)

[682] amount of money:

[683] any relationship trading expense:

[684] message (if they have stayed)

[685] in case the account holder has selected " determining ", then they will be brought to the screen with following message:

[686] payer

[687] if the target payee has existing account

[688] message

[689] pay: (destination phone numbers)

[690] amount of money

[691] date: mm/dd/yyyy hh:mm

[692]Trans：xxxx

[693] if the target payee does not have existing advance deposit credit account, so, such message can appear, as: note: the payee of your payment is not the account holder of registration.Send message first to the payee, have the indication that how to receive fund.

[694] message

[695] pay: (destination phone numbers)

[696] amount of money

[697] date: mm/dd/yyyy hh:mm

[698] transaction: xxxx

[699] payee:

[700] if the target payee is existing account holder, then the payee will receive message first, illustrate that they have a new fund to be added among their account.When they open this fund, they will see a receipts of transactions that has following message:

[701] date: mm/dd/yyyy hh:mm

[702] amount of money:

[703] from (payer's telephone number)

[704] if the target payee does not also have existing advance deposit credit account, then the payee will receive text message, say that " you receive money! ", and indicate them to arrive website such as www.obopay.com, and register, become the account holder, and receive their fund.In this document, describe new account possessor's registration process after a while in detail.

[705] if financial transaction is started by the payee, then use MCA, paying by the people that requests for payment starts transaction.An example of the transaction that the payee starts is that the people's who has ordered pizza telephone number was dialed in pizza carryout service shop before sending pizza.When replying by mobile device, the account holder is given the chance of paying the bill by mobile payment architecture of the present invention.

[706] will use MCA to ask fund from an advance deposit credit account, the account holder will be through following similar sequence of steps:

[707] (1) opens the MCA on account holder's the mobile device.This will take the account holder to the beginning screen, and Display Logo and mark are capable.Then, the account holder continues by " input ".This will take the account holder to the master menu picture, show the menu of the function of MCA, comprise payment, remaining sum, history, request payment, will be provided with, and help.

[708] (2) then, the account holder selects " request " option, request is paid, they wish to send the telephone number of their request with input.

[709] (3) will select the telephone number in account holder's the telephone directory, the account holder will select option (soft key of the lower left from the mobile device), search (from options menu) then, to demonstrate account holder's existing telephone address book, and allow them to select one of them name.This address book can corresponding to, as an illustration, asked the account holder's that pizza takes out phone number list.As the part of request, take out the people and can add a tip screen, offer the account holder and in the amount of money, add the chance that they wish the tip paid.

[710] (4) select " determining " as the payee, and they will be brought to message screen, and they can add message in their transaction.In one embodiment, this message can be text, audio or video annex.If the payee does not wish to add message, they can only need to click " determining " before writing message, will can not add message in transaction.

[711] (5) in case the account holder selects " determining ", and they will be brought to the PIN screen, and at this, they will import PIN, import tip alternatively, and selection " determining ".Request will be sent to the payer, and the payer can be by their PIN of input and the option of ratifying to conclude the business by " determining ".Just as noted above, PIN is secret, and safety, so, unwarranted people can not be only by obtaining that PIN is determined in the unwarranted visit of mobile device.

[712] will at first handle payment, the payee will receive advise for payments.No problem if conclude the business, then the account holder will can not receive any further notice.If payment goes wrong (that is, insufficient funds) really, then will notice account possessor and target payee.The notice of any problem that relevant payment is taken place will promptly be sent after paying, so that each side can confirm transaction.

[713] account holder also can use MCA to come to check from their mobile device advance deposit credit account's current remaining sum.Use MCA to check remaining sum, the account holder will be through the following step:

[714] (1) opens the MCA on account holder's the phone.

[715] (2) this will take the account holder to the beginning screen, Display Logo and mark are capable.The account holder will continue by "enter" key".

[716] this will take the account holder to the master menu picture, show the menu of the function of MCA, comprise payment, remaining sum, history, request payment, will be provided with, and help.The account holder will select " remaining sum " to check their remaining sum.

[717] this will take the account holder to the PIN screen, and at this, they will import PIN, and selection " determining ".

[718] this will take the account holder to the remaining sum screen, and this screen will provide following message:

[719] date: MM/DD/YYYY HH:MM

[720] remaining sum:

[721] when the account holder selects " determining ", they will be taken back the master menu picture.

[722] account holder can use MCA to check the history of last n transaction from mobile device, and wherein, n is integer (for example, 3 or 5), and advance deposit credit account's current remaining sum.It is historical to use MCA to check, the account holder will be through the following step:

[723] (1) opens the MCA on account holder's the mobile device.This will take the account holder to the beginning screen, and Display Logo and mark are capable.Then, the account holder presses the "enter" key" continuation.

[724] (2) this will take the account holder to the master menu picture, show the menu of the function of MCA, comprise payment, remaining sum, history, request payment, be provided with, and help.The account holder will select " history " to check their history.

[725] (3) this will take the account holder to the PIN screen, at this, they will import PIN, and select " determining ".

[726] (4) this will take the account holder to historical screen, this screen will provide following message:

[727] trade date and dealing money: MM/DD (+/-) $.$$

[728] any one in the account holder's transaction that can select to list is to obtain the details of relevant this particular transaction.For this reason, their rolling view is wished the concrete transaction checked to them, and selected it.This will take them to following message screen:

[729] date: MM/DD/YYYY HH:MM:SS

[730] amount of money: (+/-) $.$$

[731] addressee: payee or payer's telephone number)

[732] message: (if available)

[733] then, account holder's selected " determining " gets back to historical screen.From here, they can check another transaction or turn back to the master menu picture.

[734] in addition, the account holder can also link their account with the application software that accounts, so that each transaction all is recorded in the database, be used for budget, plan, follow the tracks of or be used to paying taxes.In this embodiment, the account holder can add second message of explanation payment according to the feature of financial transaction, sends or receives.For example, bought a meal in the account holder is going on business the way, then second message can be pointed out to conclude the business to reduce tax, and can compensate cost.Come the record expense by the application software that accounts.The application software that accounts can be provided (referring to Fig. 3) or be provided by the affiliate of software supplier by server platform.The application software that accounts can be a value-add option, and the expense that the account holder can pay every month could be visited.

[735] when the account holder selects to return soft key, they will be taken back the master menu picture.

[736] just as noted above, the account holder can use MCA to ask fund from any other account holder's account.The account holder of request fund and to its request fund the account holder both should be the account holder.Use MCA to ask payment from the account holder, the requesting party account holder will be through the following step.Open the MCA on requesting party account holder's the mobile device.This will take the account holder to the beginning screen, and Display Logo and mark are capable.The account holder presses "enter" key" and continues.This will take the account holder to the master menu picture, show the menu of the function of MCA, comprise payment, remaining sum, history, request payment, will be provided with, and help.

[737] account holder will select " request payment ", pay with request.This will take the account holder to " sending to " screen, and the account holder will import the Mobile Directory Number that they wish to send to it their Payment Request.Select the telephone number in account holder's the telephone directory, the account holder will select option (soft key of the lower left from the mobile device), search (from options menu) then, will demonstrate account holder's existing telephone address book, and allow them to select one of them name.In case the account holder has imported Mobile Directory Number, they will select " determining ".

[738] this will take them to amount of money screen, and the account holder will import them and wish the amount of money paid.Whether the requesting party account holder selects them to wish to ask tip, and (that is, the requestor adds the ability of an amount of money except that the amount of money that they are asking.When account holder's selection " determining ", they will be brought to message screen, and they can add text or audio or video message in their transaction.If the account holder does not wish to add message, they can click " determining " before writing message, will can not add message in transaction.

[739] in case the account holder selects " determining ", and they will be brought to the PIN screen, and at this, they will import PIN, and selection " determining ".This will take the account holder to the affirmation screen, and this screen will show following message:

[740] send to: (destination phone numbers)

[741] amount of money:

[742] tip request (ON/OFF)

[743] any relationship trading expense:

[744] message (if they have stayed)

[745] in case the account holder has selected " determining ", then they will be brought to the screen with following message:

[746] requestor

[747] message

[748] send to: (destination phone numbers)

[749] amount of money

[750] date: mm/dd/yyyy hh:mm

[751] transaction: xxxx

[752] person of being requested:

[753] person of being requested will receive the message that they have new fund from paying server.When the account holder opens fund, it will open MCA, and this will take the account holder to the beginning screen, and Display Logo and mark are capable.The account holder presses "enter" key" and continues.Then, the account holder will be brought to the Payment Request there, and there, they will see following message.

[754] message (if applicable)

[755] pay: (requestor's telephone number)

[756] amount of money

[757] date: mm/dd/yyyy hh:mm:

[758] transaction id

[759] payee can accept or refuse the request to payment.If the payee accepts request, then they will select " acceptance " soft key.If the payee accepts request, the tip request is provided with by the requesting party account holder, accepts request to take the payee to tip amount of money screen, and they can add tip.In case the input tip, selected " determining ", the account holder will be brought to the PIN screen.In case the payee imports their PIN, selected " determining ", they will be brought to the affirmation screen.Confirm that screen comprises following message:

[760] pay: (Payment Request person's telephone number)

[761] amount of money

[762] tip (if applicable)

[763] in case the payee has selected " determining ", then transaction is with processed, and the payee will be brought to the screen with following message:

[764] send to: (Payment Request person's telephone number)

[765] amount of money

[766] remaining sum:

[767] date: MM/DD/YYYY HH:MM

[768] transaction: (transaction id)

[769] in case the payee selects " determining ", they will turn back to the master menu picture.

[770] if the payee refuses request, they will select " refusal " soft key.Payment Request person is accepted the Payment Request that receives about them or unaccepted notice.Notice will comprise following message:

[771] message: (if applicable)

[772] from (payee's telephone number)

[773] amount of money:

[774] date: MM/DD/YYYY HH:MM:SS

[775] transaction:

[776] account holder can change the configurable default setting of account holder.Current, this comprise change they be used for they mobile device and server between send and receive payment information agreement (that is, SMS or HTTP).This also can comprise other account holders configurable information of future in the version of application program.Change the setting on their MCA, the account holder will be through the following step: open the MCA on account holder's the mobile device.

[777] this will take the account holder to the beginning screen, and Display Logo and mark are capable.The account holder presses "enter" key" and continues.This will take the account holder to the master menu picture, show the menu of the function of MCA, comprise payment, remaining sum, history, request payment, will be provided with, and help.

[778] account holder will select " setting " to change their setting.This will take them to screen will be set, and they can select the setting of their desired modifications.Current, having only an option is agreement.When the account holder selects agreement, they will be brought to the agreement screen.The account holder can select HTTP or SMS on the agreement screen.Under the default situations, their application program is set to HTTP.Turn back to the agreement screen, the account holder must select " returning " soft key.Turn back to master menu, the account holder must select " returning " soft key.

[779] account holder can check " help " screen from MCA.This will comprise the concise and to the point description of application program, and where relevant account holder obtains the explanation of more helps.Check " help " part of MCA, the account holder will be through the following step.Open the MCA on account holder's the mobile device.This will take the account holder to the beginning screen, and Display Logo and mark are capable.The account holder must press "enter" key" and continue.

[780] this will take the account holder to the master menu picture, show the menu of the function of MCA, comprise payment, remaining sum, history, request payment, will be provided with, and help.The account holder will select " help ", check help.This will take the account holder to main " help " screen, and this screen will provide following link:

[781] the concise and to the point description of MCA, as:

[782] Obopay can use phone to remit money, do shopping for you, and ask for payment.Can also use your debit card to do shopping and extract cash.Also have:

[783] to showing for example following function pages:

[784] when carrying out following operation, you will be required to import account holder's telephone number, the amount of money, and PIN.Also have:

[785] payment function shows, for example:

[786] utilize mobile or VOIP phone, use the Obopay payment function to remit money to anyone.If they do not have advance deposit credit account, then they will be directed the website, set up an account.Cancel payment, please visit obopay.com and understand details.

[787] balance facilit shows, for example:

[788] use " remaining sum " function to understand the amount of money available among your account.

[789] history function shows, for example:

[790] use " history " to understand nearest transaction and available balance.Select one to understand details.

[791] request payment shows, for example:

[792] use " request payment " to require mobile telephone account possessor payment.It is optional adding message and requiring tip.

[793] link of the help page on " input information " shows, for example:

[794] telephone number-when selected " payment " or " request payment ", input has the telephone number of area code.No dash line or space.

[795] amount of money shows, for example:

[796] between the Zai $0.01-$9999.99.Needn't add radix point-add zero for dollar amount of money

[797] your PIN shows, for example:

[798] when you activate your account, provide your PIN.If you have forgotten, please call 888-80BOPAY

[799] be linked to the help page of shortcut

[800] return: turn back to previous screen.

[801] remove: last character of wiping key entry.

[802] contact person: the address book of visiting you.

[803] withdraw from: close application program.

[804] be linked to the help page of FAQ

[805] security

[806] Obopay provides safe transaction by in network layer, application layer and transaction layer transaction being encrypted.For details, please visit www.obopay.com

[807] data (the Internet) plan

[808] you do not need data plan can use Obopay.Yet you will need data plan, and Obopay is downloaded in the new phone.In addition, data plan can also be optimized the performance of Obopay service.

[809] cost?

[810] withdraw deposit?

[811] in any ATM that receives credit card, use your debit card, or ask check from Obopay in the www.obopay.com website

[812] Cancel Transaction

[813] transaction with non-account holder to be cancelled, www.obopay.com/help please be visited, selected " cancellation payment ".Payment to the account holder can only just can be cancelled under the situation of (swindle) without permission of concluding the business.Cancel unwarranted transaction, please call 888-8OBOPAY

[814] interpolation fund?

[815] please visit www.obopay.com, selected " loading the account " button

[816] forget PIN.

[817] if you forgotten, please call 888-8OBOPAY

[818] be linked to the help page of " technical support "

[819] for details, please visit obopay.com or dial 888-8OBOPAY

[820] be linked to " about " the help page

[821] software version

[822] file size:

[823] under the preferable case, MCA allows the account holder to create the off-line data, can be configured to when their mobile device be closed or outside scope the time from dynamic response.For example, the account holder can dispose their account, with automatic deposit taking or automatic acceptance from the account holder's of appointment drawing.If account holder's mobile device is opened, then can carry out inquiry into balance or historical requests by pushing paying server, just can retrieve any off-line trading.In other replacement schemes, the account holder can specify, and account information provides by SMS or voice-mail.

[824] wire protocol is arranged

[825] the wired agreement of MCA and platform

[826] general introduction

[827] the wired agreement of MCA and platform is used in combination with the MCAP codec, with the various device of serializing/solution sequence operation MCA with data based on the communication between the data center of the host services of J2EE are provided.The wired agreement of MCA and platform has been specified the form of the serializing data of transmitting between equipment and data center.The MCAP codec is the assembly on the mobile device, and data center handles serializing and conciliates serializing according to MCA and the wired protocol specification of platform.Figure 59 has shown the simple illustration of key concept.Please inquire about the MCAP architecture document, to understand the unaccounted other assembly that relates to architecture here.

[828] services request and the wired expression of example have been shown below from mobile device.

[829] services request that is started by mobile device is that Paymentservice.payP2P calls.This function is carried out the payment between account holder and the account holder, and the Java method signature is:

[830]public?PaymentSummary?pay?P2P(

[831] String?srcDevKey，

[832] String?srcPin，

[833] String?tgtDevKey，

[834] String?transactionAmount，

[835] String?paymentMemo)throws?Exception；

[836] all outside the rreturn value have been described in the accompanying drawing.In response, except expense, also comprise rreturn value, the rreturn value character string begins (in the case, 9, be converted to CommonPaymentSummary) with the object type code, the attribute of the non-NULL of rreturn value is followed thereafter, for example, and attribute #1-paymentAmount-Ju You $1.27 value or the like.

[837] now please referring to Figure 60, this figure has shown by calling PaymentService.retrieveBalance to call, and successfully calls the example of Service Phone.This calls the account balance of retrieve account.

[838]public?BalanceSummary?retrieveBalance(

[839] String?devKey，

[840] String?pin)throws?Exception；

[841]

[842] requested part and preceding example are identical, though response expression now is because Service Phone and exception throw.The rreturn value of object type 6 expression type EWPBusinessException has illustrated its attribute in Figure 61.

[843] another services request and the wired expression of example from mobile device is that PaymentService.retrieveHistory calls.Go out the transactions history of this function retrieve account as name referring.

(844]public?TransactionSummary[]retrieveHistory(

[845] String?devKey，

[846] String?pin)throws?Exception；

[847] Figure 62 has demonstrated calling of success, here unique it should be noted that, array sign "＜" has been followed in the back now in " object type " (10) of rreturn value, this means, rreturn value is the array of object type 10, expression Common TransactionSummary.

[848] services request of another device start is to be used for asking the requestPay function paid from another member.

[849]public?PayRequestSummary?requestPay(

[850] String?srcDevKey，

[851] String?srcPin，

[852] String?tgtDevKey，

[853] String?transactionAmount，

[854] Boolean?tipRequest，

[855] String?memoText)throws?Exception；

[856] the payRequestPay function is used for requestPay called and responds, and this calls the payment that ratifies a motion.

[857]public?PayRequestSummary?payRequestPay(

[858] String?payerDevKey，

[859] String?payerPin，

[860] String?tgtDevKey，

[861] String?paymentAmount，

[862] String?tipAmount，

[863] Boolean?acceptRequest，

[864] String?transactionRef，

[865] String?memoText)throws?Exception；

[866] another function is the RegistrationService.whoAmI function, and this function and data center set up service, when first time during invokes application, is called.

[867]public?String?whoAmI(String?deviceNumber)throwsException；

[868] classification of another request is those requests that sent by server, and these requested feature are, (1) they current send by SMS; (2) their notices of the incident from the server to equipment normally; (3) less than sync response to such request.

[869] for consistent with the MCA that calls and the platform architecture of treatment facility startup, the present invention has realized the handling procedure of such notice as " device service " on equipment, during with method when call these " device service " from server end on, identical ServiceProxy signature is arranged.Codec and have wire protocol with identical by those requests of device start.Here be the tabulation of current available " device service " and their method:

[870] J2ME payment services

[871] P2pNotify-give target with the p2p advise for payments

[872] requestPay-requestPay request is notified to the member.

[873] the request delivery operation that notifyRequestPayReceived-request of will receiving is paid is notified to target.

[874] cancelViralNotify-give " virus-type " target with " virus-type " advise for payments

[875] technological overview of MCAP

[876] can define other device service like a cork, and they are added MCA, they are considered to consider based on the design of specific embodiment.

[877] MCA ﹠amp has been discussed now; The high-caliber design of platform (MCAP), and user interface (UI), presented the MCAP expection and be a required complete cover locomotive function.MCAP is consumer/mobile-businessman's application program of " mobile wallet " or " passing through phone-payment " basically.The user interface of MCAP is simple, and it only needs a step connect step ground input request msg (as the amount of money, PIN, or the like), shows response data then.By illustration and comparison, the user interface of MCAP does not need the figure complicacy of moving game application program.

[878] under the preferable case, MCAP writes with the language of carrying out on mobile device as much as possible with transplanted like a cork.Yet the MCAP architecture expects that some function is present on the mobile device.For example, need to show input field and catch the function that the account holder imports content.If utilize the ability of SMS text service of mobile device unavailable by programming SMS API Calls, then also need to utilize the ability of the data, services of mobile device by the HTTPS API Calls of programmatic.

[879] by the programming API Calls, utilize the persistant data service of mobile device.For example, on SIM card or the ability of for good and all storing data in other non-volatile storages are optional functions.Similarly, the inbound messages that is truncated to mobile device also " MCAP " so that the ability of handling also is optional.This function provides, and for example, intercepts inbound SMS message (on particular port) and handles its ability by MCAP.Integrated with programming mode and " address book " of mobile device also is optional so that specific input field can " link " ability of address book.It is optional giving mobile device account holder's ability with programming mode with noticeable event notice with noticeable incident by sound, vibration or light.

[880] under the preferable case, MCAP is modular, so that its realizes on J2ME like a cork, and at .NET and J2ME, BREW, Symbian, and .NETCF (Windows Mobile in the past) goes up proof

[881] Figure 63 has shown the high-level OMAP design level of mobile device.

[882] Figure 64 has shown that the OMAP communication of using single text-string (have separation parameter/value to) designs and the process flow diagram of request encoding scheme.

[883] Figure 65 has shown the design of OMAP persistence, has utilized mobile device permanent memory mechanism, and the constitutional diagram that has shown the design of OMAP user notification.

[884] Figure 66 has shown the OMAP screen palette of embodiment.

[885] Figure 67 is the constitutional diagram that has shown the OMAP screen conversion.

[886] Figure 68 has shown the layout of OMAP master menu.

[887] Figure 69 has shown the OMAP payment screen flow from the source angle.In other embodiments of the invention, the function that " disburses funds " can be called " remittance ".

[888] Figure 70 has shown the OMAP payment screen flow of angle on target always.

[889] Figure 71 has shown from the source-the OMAP request payment screen flow of request angle.In other embodiments of the invention, " request payment " function can be called " obtaining fund ".

[890] Figure 72 has shown from the OMAP of target-accept angle and has accepted the payment screen flow.

[891] Figure 73 has shown the wherein OMAP request payment screen flow of target refusal request.

[892] Figure 74 has shown the OMAP request payment screen flow that source and target both wherein accepts request.

[893] Figure 75 has shown the OMAP request payment screen flow that source and target both wherein refuses to ask.

[894] Figure 76 has shown OMAP remaining sum screen flow.

[895] Figure 77 has shown the historical screen flow of OMAP.

[896] Figure 78 has shown that the OMAP at the place, source position is provided with screen flow.

[897] Figure 79 and 80 has shown OMAP system screen flow process.Specifically, Figure 79 has shown the screen flow of the OMAP of unknown mobile ID.Figure 80 has shown the wherein OMAP system exception screen flow of request failure.

[898] financial service API

[899] interface between mobile device and stored value card platform (EWP) service broker comprises the serviced component such as payment services and registration service, with and the hierarchical structure of high-caliber exception object.The business data transmission class of returning from service call has also been described.

[900] payment services

[901] according to the application program service architecture definition of EWP, define and realized this business service.Payment services comprise calls the path method of cooperation banking system.Register system, payment processes that cooperative bank's management is formal, and account and membership information.In the EWP management exceed with cooperative bank integrated required data only for inner use.

[902] routine package:

[903]com.ewp.services

[904] class:

[905]public?interface?PaymentServiceInterface

[906]public?class?PaymentServiceImplemenation?implements

[907]PaymentServiceInterface

[908] application programming interface of service definition (API) has for this reason:

[909] payP2P-is in the transaction of carrying out between two consumer members between account holder and the account holder (p2p)

[910] account's of retrieveBalancee-retrieval appointment available balance

[911] last five transaction records of the account of retrieveHistory-retrieval appointment comprise the 6th row that has shown available balance

[912] the dimeric mutual first step of requestPay-, a member pays from another member's request

[913] the second mutual step of payRequestPay-dimeric, the payee of Payment Request or payment or refuse payment

[914] in following trifle, details are provided.Notice that any monetary value of returning will present as the Java.lang.String type, form is＜monetarysymbol〉＜dollars 〉.＜cents 〉.For example, the string table of 20 dollar of 50 Nickel is shown " ".

[915] method signature: payP2P

[916] the method support is called out from mobile device, to pay to another member with account related with the mobile device number.Transaction results is sent to the member's who calls mobile phone.In addition, also send the notice of the fund that receives to the payee.

[917]public?PaymentSummary?payP2P(

[918]String?srcDevKey，

[919]String?srcPin，

[920]String?tgtDevKey，

[921]String?transactionAmount，

[922]String?paymentMemo)

[923]throws?Exception

[924] input parameter:

[925] srcDevKey string value, the normally account's of startup payment telephone number

[926] srcPin string value sends the account's of request PIN

[927] tgtDevKey string value, the normally account's of reception payment telephone number

[928] transactionAmount string value, the amount of money of paying to take over party account.

[929] paymentMemo character string, the phrase from payer to payee.

[930] return type object:

[931] PaymentSummary comprises target account number, payment, and the container object of available balance data.For details, referring to PaymentSummaryClass description.

[932] method signature: retrieveBalance

[933] the method support is called out to obtain member's current account balance from mobile device.The result is sent to the member's who calls mobile phone.

[934]public?BalanceSummary?retrieveBalance(

[935]String?devKey，

[936]String?pin)

[937]throws?Exception

[938] input parameter:

[939] devKey string value, the telephone number of normally asking the account of its remaining sum

[940] pin string value sends the account's of request PIN

[941] return type object:

[942] BalanceSummary comprises the container object of available balance data.For details, referring to BalanceSummaryClass description.

[943] method signature: retrieveHistory

[944] the method support is called out from mobile device, with five nearest transaction of retrieval member, and comprises current account balance in its history display.The result is sent to the member's who calls mobile phone.

[945]public?TransactionSummary[]rerrieveHistory(

[946]String?devKey，

[947]String?pin)

[948]throws?Exception

[949] input parameter:

[950] devKey string value, the telephone number of normally asking the account of its transactions history

[951] pin string value sends the account's of request PIN

[952] return type object:

[953] array of TransactionSummary [] container object, each container object all comprises amount of money value, credit/credit/remaining sum, and the timestamp of transaction data.For details, referring to the TransactionSummary class description.

[954] method signature: payRequestPay

[955] the method support is called out from mobile device, to accept or the request of refusal to paying.Transaction results is sent to the mobile phone of membership payment.In addition, also send the notice of the fund that receives to the payee.

[956]public?PayRequestSummary?payRequestPayMobile(

[957]String?payerDevKey，

[958]String?payerPin，

[959]String?tgtDevKey，

[960]String?paymentAmount，

[961]String?tipAmount，

[962]Boolean?acceptRequest，

[963]String?transactionRef，

[964]String?requestText，

[965]String?memoText)

[966]throws?Exception

[967] input parameter:

[968] payerDevKey string value is normally fulfiled the account's of Payment Request telephone number (identical with the source of payP2P)

[969] payerPin string value is the PIN that fulfils the account of Payment Request

[970] tgtDevKey string value, or be the telephone number that receives the account of payment, otherwise be used for to the referenced key of the device identification JNDI connecting key of the account association that receives payment

[971] paymentAmount string value, the amount of money of paying to take over party account.

[972] tipAmount string value will add the tip payment in the transaction summation to

[973] acceptRequest Boolean points out whether accept Payment Request (true=acceptance)

[974] transactionRef string value is from the transaction Ref. No. of original Payment Request

[975] requestText character string, the account holder who pays from request is to the account holder's who pays the bill phrase.

[976] memoText character string, the phrase from payer to payee.

[977] return type object:

[978] PayRequestSummary comprises transaction Ref. No., target account number, payment, and the container object of available balance data.For details, referring to the PayRequestSummary class description.

[979] method signature: requestPay

[980] the method invocation facility method of servicing will be given target members from the advisory of another member's Payment Request.

[981]public?PayRequestSummary?requestPay(

[982]String?srcDevKey，

[983]String?srcPin，

[984]String?tgtDevKey，

[985]String?transactionAmount，

[986]Boolean?tipRequest，

[987]String?requestText)

[988]throws?Exception

[989] input parameter:

[990] srcDevKey string value, or be the telephone number that starts the account of Payment Request, otherwise be used for to the referenced key of the device identification JNDI connecting key of the account association of making Payment Request

[991] srcPin string value sends the account's of request PIN

[992] tgtDevKey string value normally should receive the account's of Payment Request notice telephone number

[993] transactionAmount string value, the amount of money of the payment of request.

[994] tipRequest Boolean points out whether present tip request screen to the request payee.

[995] requestText character string, the phrase from Payment Request person to the account holder who pays the bill.

[996] return type object:

[997] PayRequestSummary comprises transaction Ref. No., target account number, payment, and the container object of available balance data.For details, referring to PayRequestSummaryClass description.

[998] registration service

[999] according to the application program service architecture definition of EWP, define and realized this business service.Registration service provides the method for going back to the EWP system from cooperative bank's system calling for Web service of being used for.Although cooperative bank has safeguarded formal account and membership information,, EWP must know the mapping between member's advance deposit debit card number and member's the Mobile Directory Number.These data, more potentially, will in the EWP system, exist lastingly.

[1000] routine package:

[1001]com.ewp.services

[1002] class:

[1003]public?interface?RegistrationServiceInterface

[1004]public?class?RegistrationServiceImplemenationimplements

[1005]paymentServiceInterface

[1006] application programming interface of service definition (API) has for this reason:

[1007] addRegistrationInfo-creates the data recording that relates to the account

[1008] in following trifle, details are provided.

[1009] method signature: addRegistrationInfo

[1010] the method persists device number is the account data record.If there is more information to use, such as member's name, so, this method is also with the persist side information.As required, between data object, quote.This method is returned the container object of the login state of having pointed out the account.

[1011]public?ArrayList?addRegistrationInfo(

[1012]ArrayList?regContainerList，

[1013]String?dsName)

[1014]throws?Throwable

[1015] input parameter:

[1016] the regContainerList minimally comprises the RegistrationContainer container object with the phone of account association.

[1017] return type object:

[1018] ArrayList of RegistrationContainer objects comprises the container object tabulation of the information that should continue.

[1019] account transfer object

[1020] account transfer of each described in this section object all provides the getter and the setter of its each generic attribute and default constructor.Object in this section has been realized java.io.Serializable interface and TransferInterface interface, is the placeholder of potential common interface demand, and base type is provided.

[1021]BalanceSummary

[1022] container object that returns from paymentServiceInterface.retrieveBalanceMobile () API.

Routine package:

[1023]com.ewp.transferobjects

[1024] class:

[1025]public?class?BalanceSummary

[1026]implements?TransferInterface，Serializable

[1027] attribute:

[1028] currentBalanceAmount string value, current available principal amount

[1029] errorCode string value, the feature that points out faults; Only under the situation of state=0, just be provided with

[1030] status string value, point out whether mistake has taken place in the service execution process:

1=is good, the 0=mistake

[1031] requestDate string value, the audit time of balance request stabs

[1032]PaymentSummary

[1033] container object that returns from PaymentServiceInterface.payP2PMobile () API.This object also is transferred to the mobile device interface in the notice callback, have the value of demonstration.

[1034] routine package:

[1035]com.ewp.transferobjects

[1036] class:

[1037]public?class?PaymentSummary

[1038]implements?TransferInterface，Serializable

[1039] attribute:

[1040] newBalanceAmount string value, current available principal amount.

[1041] paymentAmount string value, prepaid principal amount

[1042] sourceDeviceKey string value is the telephone number that has carried out the account of payment

[1043] targetBalanceAmount string value is currently available for the principal amount of target account

[1044] targetDeviceKey string value is the telephone number to its account who pays

[1045] errorCode string value, the feature that points out faults; Only under the situation of state=0, just be provided with

[1046] status string value, point out whether mistake has taken place in the service execution process:

1=is good, the 0=mistake

[1047] requestDate string value is that the exchange hour of Payment Request stabs

[1048]TransactionSummary

[1049] container object that returns from PaymentServiceInterface.retrieveHistoryMobile () API.

Routine package:

[1050]com.ewp.transferobjects

[1051] class:

[1052]public?class?TransactionSummary

[1053]implements?TransferInterface，Serializable

[1054] attribute:

[1055] transactionDate string value, the Coordinated Universal Time(UTC) (UTC) with the millisecond representative since midnight on January 1st, 1970 is worth.Date is the date of transaction just.

[1056] settleDate string value, the Coordinated Universal Time(UTC) (UTC) with the millisecond representative since midnight on January 1st, 1970 is worth.Date is the date when finishing transaction.

[1057] transactionAmount string value, the amount of money of particular transaction

[1058] transactionKey string value points out that dealing money is that expression puts ("+") under, marks ("-"), or remaining sum (" remaining sum ").

[1059] transactionType string value is pointed out type of transaction: P2P, POS, ATM, LOAD, BAL

[1060] locationName string value, where the sign transaction is carried out, for example, shop ID or ATM ID.

[1061] errorCode string value, the feature that points out faults; Only under the situation of state=0, just be provided with

[1062] status string value, point out whether mistake has taken place in the service execution process:

1=is good, the 0=mistake

[1063]PayRequestSummary

[1064] be transferred to the container object of mobile device in the callback in notice, have the value of demonstration.Routine package:

[1065]com.ewp.transferobjects

[1066] class:

[1067]public?class?PayRequestSummary

[1068]implements?TransferInterface，Serializable

[1069] attribute:

[1070] acceptRequest Boolean points out whether accept Payment Request.The TRUE value representation is handled the p2p payment.

[1071] paymentAmount string value, principal amount to be paid

[1072] payerBalanceAmount string value, current available principal amount

[1073] payerDeviceKey string value is the telephone number from the account of its request payment

[1074] requesterDeviceKey string value is made account's the telephone number of Payment Request and the telephone number of paying to whom

[1075] targetBalanceAmount string value is currently available for the principal amount of target account

[1076] transactionRef string value, the transaction Ref. No. that server produces

[1077] errorCode string value, the feature that points out faults; Only under the situation of state=0, just be provided with

[1078] status string value, point out whether mistake has taken place in the service execution process:

1=is good, the 0=mistake

[1079] requestDate string value is that the exchange hour of Payment Request stabs

[1080] tipRequest Boolean points out whether should ask the tip amount of money there from the payee

[1081] exception class

[1082]EWPServiceException

[1083] be the basic exception class of EWP system definition.All unusually all inherit this base class or an one subclass get off from service causes.Routine package:

[1084]com.ewp.core.exceptions

[1085] class:

[1086]public?class?EWPException?extends?Throwable

[1087] attribute:

[1088] errorCode string value, the unique error code in the sign EWP system.This code will be defined as the Java constant.It will be used for the message.property file, with the mark location character string.

[1089] string value of the error message that in the EWP system journal, writes down of errorText.

[1090]InternalException

[1091] this represents all systems that take place unusually and serves mistake, should be retained in the inside of EWP system.The source of this mistake is not propagated back to client application usually.

Routine package:

[1092]com.ewp.core.exceptions

[1093] class:

[1094]public?class?InternalException?extends?EWPException

[1095] attribute: inherit from parent.

[1096]BusinessException

[1097] this unusual expression can be presented to the mistake of client application.The error message that comprises in the exception object is not the message that is shown to the account holder.The error message that turns back to the account holder is the intelligible form of account holder, and by localization.In gateway, carry out the conversion of errorCode to error message.Routine package:

[1098]com.ewp.core.exceptions

[1099] class:

[1100]public?class?BusinessException?extends?EWPException

[1101] attribute: inherit from parent.

[1102] error code

[1103] error code that occurs as TransactionEvent state-event code and AuditEvent state-event code sometimes.See also ErrorCodesAndNotifications.doc and understand error code and definition.

[1104] business object

[1105] this section has been discussed the data object that is used for an embodiment.In EWP_Design_Pilot.doc and EWPDOModel_v2.vsd design documentation, defined one group of data object.Whole EWP system designs beyond this embodiment of those object representations.The example that has presented the business object of an embodiment in the following table.Should be appreciated that object itself can only be included in the subclass of the attribute that EWPDOModel_v2.vsd proposes in designing a model.

[1106] following table has shown business object class title, the tables of data title that it is corresponding, Property Name, corresponding data tabular title, and the rate of growth of the estimation of tables of data.

[1107]

Business object	The tables of data title	Employed attribute	Data tabular title	Rate of growth
					Account	ACCOUNT	Integer?id Long?createTimeStamp Long?timeStamp String?accountNumber String?acctStatusCode?Boolean?acctWhtlistFlag BigDecimal availBalance BigDecimal?balance String?cardNumber String?currencyCode String?deviceNumber Profile?profile BigDecimal dailyTrans?Total BigDecimal monthTransTotal BigDecimal weekTransTotal	NUMBER(24)ID NUMBER(16) CREATETIMESTAMPNUMBER(16) TIMESTAMP VARchar2(16) ACCOUNTNUMBER VARchar2(8) ACCTSTATUSCODE NUMBER(1) ACCTWHTLISTFLAGNUMBER(19，4) AVAILBALANCE NUMBER(19，4) BALANCE VARchar2(16) CARDNUMBER VARchar2(3) CURRENCYCODE VARchar2(20) DEVICENUMBER NUMBER(24) PROFILEREFID NUMBER(19，4) DAILYTRANSTOTAL?NUMBER(19，4)	Initial 80 register requirement 4 " virus-type " register requirement are weekly registered 1 at every turn

Business object	The tables of data title	Employed attribute	Data tabular title	Rate of growth
								MONTHTRANSTOTALNUMBER(19，4)WEEKTRANSTOTAL
AuditEvent	AUDITEVENT	Integer?id Long?timeStamp Integer?accountId String?auditNumber String?auditTypeCode String?eventStatusCodeString?infoText Integer?memberId String?networkConnInfoInteger?transEventId BigDecimal transFeesAmt BigDecimal transGrossAmt String?transNumberRef?Integer?transTgtAcctIdString?transTypeCode String?memo String?message1	NUMBER(24)ID NUMBER(16) TIMESTAMP NUMBER(24) ACCOUNTID VARchar2(16) AUDITNUMBER VARchar2(8) AUDITTYPECODE VARchar2(8) EVENTSTATUSCODEVARchar2(250)?INFOTEXT NUMBER(24) MEMBERID VARchar2(250)?NETWORKCONNINFO NUMBER(24) FRANSEVENTID NUMBER(19，4)?FRANSFEESAMT NUMBER(19，4)?FRANSGROSSAMT VARchar2(16) FRANSNUMBERREFNUMBER(24) FRANSTGTACCTID	All account transfer incident+register requirement

Business object	The tables of data title	Employed attribute	Data tabular title	Rate of growth
								VARchar2(8) TRANSTYPECODE VARchar2(32)MEMOVARchar2(32) MESSAGE?1
TransactionEvent	TRANSACTIONEVENT ?	Integer?id Long?timeStamp CurrencyExchange currencyXC String?currencyTranRef?String?currencyCode String?eventStatusCode?String?extPayConfRef String?extPayAcctRef String?extPayTransRef Float?feeRetainRate BigDecimal grossAmount String?infoText String?locationRef String?networkConnInfo?Integer?srcAccountId BigDecimal srcFees?Amount Integer?srcMemberId( ＊)String?srcMemTransRef Integer?tgtAccountId BigDecimal tgtFeesAmount Integer?tgtMemberId( ＊)	NUMBER(24)ID NUMBER(16) TIMESTAMP NUMBER(24) CURRENCYXCREFIDVARchar2(24) CURRENCYTRANREFVARchar2(3) CURRENCYCODE VARchar2(8) EVENTSTATUSCODE?VARchar2(24) EXTPAYCONFREF VARchar2(24) EXTPAYACCTREF VARchar2(24) EXTPAYTRANSREF?NUMBER(5，4) FEERETAINRATE NUMBER(19，4) GROSSAMOUNT VARchar2(250) 1NFOTEXT VARchar2(24) LOCATIONREF	Every day, each account was 2

Business object	The tables of data title	Employed attribute	Data tabular title	Rate of growth
							String?transNumber String?transTypeCodeString?memo String?message?1	VARchar2(250) NETWORKCONNINFO NUMBER(24) SRCACCOUNTID NUMBER(19，4) SRCFEESAMOUNT NUMBER(24) SRCMEMBERID VARchar2(24) SRCMEMTRANSREF?NUMBER(24) TGTACCOUNTID NUMBER(19，4) TGTFEESAMOUNT NUMBER(24) TGTMEMBERID VARchar2(16) TRANSNUMBER VARchar2(8) TRANSTYPECODE VARchar2(32)MEMOVARchar2(32) MESSAGE1
Member	MEMBER	Integer?id Long?createTimeStampLong?timeStamp Boolean mem?BlkListFlag String?chalQuestion String?chalAnswer	NUMBER(24)ID NUMBER(16) CREATETIMESTAMPNUMBER(16) TIMESTAMP NUMBER(1) MEMBLKLISTFLAG?

Business object	The tables of data title	Employed attribute	Data tabular title	Rate of growth
							Integer?contactInfoId?Integer?feeStructureIdArray?List fundsAccounts String?language String?memStatusCode String?pinAlarmCode String?pinCode Profile?profile String?screenName	VARchar2(32)CHALQUESTION?VARchar2(32)CHALANSWER NUMBER(24) CONTACTINFOID?n/a n/a VARchar2(24)LANGUAGE VARchar2(8)?MEMSTATUSCODEVARchar2(16)PINALARMCODE?VARchar2(16)PINCODE NUMBER(24) PROFILEREFID?VARchar2(16)SCREENNAME
Consumer Member	CONSU MERME?MBER(+MEMBE?R)	Integer?id Long?birthDate String governmentIdNum Long?idDocExpDate String?idDocIssuer String?idDocNum String?idDocTypeCoden/a	NUMBER(24)ID NUMBER(16) BIRTHDATE VARchar2(24) GOVERNMENTIDNUMNUMBER(16) IDDOCEXPDATE VARchar2(24) IDDOCISSUER VARchar2(24)	( ＊) each registration, 1

Business object	The tables of data title	Employed attribute	Data tabular title	Rate of growth
								IDDOCNUM VARchar2(8)IDDOCTYPECODENUMBER(24)?MEMBERREFID
MerchantMember	MERCHANTMEMBER(+MEMBER)	Integer?id String?employerIdNumn/a	NUMBER(24)IDVARchar2(24)EMPLOYERIDNUMNUMBER(24) MEMBERREFID?	( ＊) each registration, 1
					Member AccountRole	MEMBERACCOUNTROLE	Integer?accountId?Integer?memberId String?roleTypeCodeLong?timeStamp	NUMBER(24)?ACCOUNTID NUMBER(24)?MEMBERID VARchar2(8)ROLETYPECODE?NUMBER(16)?TIMESTAMP	( ＊) each registration, 1
ContactInformation	CONTACTINFORMATION	Integer?id Long?createTimeStamp?Long?timeStamp String?dataStatusCodeString?e-mailAddress String?firstName String?middleName String?familyName Address?homeAddress PhoneNumber	NUMBER(24)ID NUMBER(16) CREATETIMESTAMPNUMBER(16) TIMESTAMP VARchar2(8) DATASTATUSCODE VARchar2(32)E-?MAILADDRESS VARchar2(16)	( ＊) each registration, 1

Business object	The tables of data title	Employed attribute	Data tabular title	Rate of growth
							homePhone PhoneNumber mobilePhone Address?officeAddressPhoneNumber officePhone	FIRSTNAME VARchar2(16)middleNAME VARchar2(24)FAMILYNAME n/a n/a n/a n/a n/a
Address	ADDRESS	Integer?id Long?timeStamp String?addressLine1 String?addressLIne2 String?addressLine3 String?addressTypeCodeString?city String?country String?stateCode String?province String?postalCode n/a n/a	NUMBER(24)ID NUMBER(16) TIMESTAMP VARchar2(24) ADDRESSLINE1 VARchar2(24) ADDRESSLINE2 VARchar2(24) ADDRESSLINE3 VARchar2(8) ADDRESSTYPECODE VARchar2(24)CITYVARchar2(24) COUNTRY VARchar2(2) STATECODE VARchar2(24) PROVINCE VARchar2(8) POSTALCODE	( ＊) each registration, 1

Business object	The tables of data title	Employed attribute	Data tabular title	Rate of growth
								NUMBER(24) CONTACTINFREFIDNUMBER(24) FUNDSACCTREFID
PhoneNumber	PHONENUMBER	Integer?id Long?timeStamp String?areaCode String?localNumber String?extension String?phoneTypeCoden/a n/a	NUMBER(24)ID NUMBER(16) TIMESTAMP VARchar2(8) AREACODE VARchar2(12) LOCALNUMBER VARchar2(8) EXTENSION VARchar2(8) PHONETYPECODE NUMBER(24) CONTACTINFREFIDNUMBER(24) FUNDSACCTREFID	( ＊) each registration, 1
					Profile	PROFILE	Integer?id Long?createTimeStamp?Long?timeStamp String?dataStatusCodeString?description	NUMBER(24)ID NUMBER(16) CREATETIMESTAMPNUMBER(16) FIMESTAMP VARchar2(8) DATASTATUSCODE VARchar2(80) DESCRIPTION	( ＊) each registration, 1
NoAccessEvent	NOACCESSEVEN	Integer?id Long?timestamp	NUMBER(24)IDNUMBER(16)

Business object	The tables of data title	Employed attribute	Data tabular title	Rate of growth
						T	String?identityRef String?infoText String?networkConnInfoString?requestTypeCode	TIMESTAMP VARchar2(24) IDENTITYREF VARchar2(250)?INFOTEXT VARchar2(250)?NETWORKCONNINFO VARchar2(8) REQUESTTYPECODE
GatewayEvent	GATEWAYEVENT	Integer?id Long?timestamp String?chanTypeCodeString?chanOrigInfo?String?chanDestInfoString?hostInfo String?message	NUMBER(24)ID?NUMBER(16) TIMESTAMP VARchar2(8) CHANTYPECODE VARchar2(80)?CHANORIGINFO VARchar2(80)?CHANDESTINFO VARchar2(250)HOSTINFO VARchar2(250)MESSAGE
					DeviceInfo	DEVICEINFO	Integer?id String?deviceNumber String?deviceKey String?connectionKey?String?processorType?String?applicationType	NUMBER(24)ID?VARchar2(20)?DEVICENUMBER?VARchar2(16)?DEVICEKEY VARchar2(250)CONNECTIONKEY VARchar2(16)?

Business object	The tables of data title	Employed attribute	Data tabular title	Rate of growth
								PROCESSORTYPEVARchar2(24)APPLICATIONTYPE
Invitation	INVITATION	Integer?idLong?timestampString?deviceNumberInteger?transEventIdString?transNumberRefString?srcAccountIdString?srcMemberIdString?invitStatusCode	NUMBER(24)IDNUMBER(16)TIMESTAMPVARchar2(20)DEVICENUMBERNUMBER(24)TRANSEVENTIDVARchar2(16)TRANSNUMBERREFNUMBER(24)SRCACCOUNTIDNUMBER(24)SRCMEMBERIDVARchar2(8)INVITSTATUSCODE

[1108] ( ^*If) reservation of Member data

[1109] the italic text representation field that will can not be defined.

[1110] bold text is represented the field that will be defined, still, will can not be used (being null value in the object).

[1111]PaymentProcessorHelper

[1112] this section has defined test API, with existing of simulation cooperative bank, as the custodian of process payment and register system.Routine package:

[1113] com.ewp.integration.interfaces-has defined the helper method.

[1114] com.ewp.integration.implemenations-is used to realize moving the employed interface of service of helper method.

[1115] com.ewp.integmtion.paymentProcessor-is used to move the service of helper method

[1116] class:

[1117]public?class?PaymentProcessorHelper

[1118] application programming interface (API) for the helper definition has:

[1119] balance-handles the request of returning current available balance

[1120] history-handles the tabulation of last five transaction records and the request of current remaining sum returned

[1121] p2p-processing p2p payment transaction

[1122] verifyPin-handles the request of contrast account verification pin

[1123]Method?signature：balance

[1124]public?BalanceSummary?balance(

[1125]String?sourceMobileID，String?sourcePIN)；

[1126]Method?signature：history

[1127]public?TransactionSummary[]history(

[1128]String?devNumber，

[1129]String?pin)；

[1130]Method?signature：p2p

[1131]public?PaymentSummary?p2p(

[1132] String?srcDevNumber，

[1133] String?srcPin，

[1134] String?tgtDevNumber，

[1135] String?transactionAmount)；

[1136] value-added service

[1137] many small enterprises all use the commercial accounting to serve and handle accounts receivable and their ledgers.Under the preferable case, the present invention is linked to the accounting service, so that a value-added service to be provided, has saved the data input step, and has kept the timely record of All Activity.When finishing financial transaction, payment platform is automatically charged to payment in the accounts receivable system.Also the means of message, voice annotated or other appointment financial transaction types can be sent to the accounting service.

[1138] off-line trading

[1139] embodiments of the invention of being discussed relate to real-time on-line system, have safeguarded account holder's remaining sum on paying server.Yet under situation about having, the offline electronic payment option is desirable.Correspondingly, in one embodiment of the invention, the remaining sum among account holder's the account is stored in attached or related with the mobile device chip of mobile device.The chip that usually abbreviates intelligent chip as carries out upgrading in the process in transaction.The intelligent card chip of being made by Sony company that is called the FeliCa chip is an example of such intelligent chip.When finishing in one day, between each businessman and payment system provider, criticize transmission, to settle accounts.

[1140] shown the offline electronic payment option among Figure 87 and 88, and Figure 89 has shown the real-time online architecture of embodiments of the invention.At first please, reside in the MCA 8901 on the mobile device 8701, be connected with the chip that serves as offline manager 8702 (related) with mobile device 8701 referring to Figure 89.MCA 8901 and offline manager 8902 boths can visit shared storage 8903.In one embodiment, offline manager 8902 also has internal storage, and before it upgraded shared storage 8903, it stored transaction each time in internal storage.With regard to setting can be used for off-line trading the initial account remaining sum and equipment 8901 again synchronously after the account with regard to the outmoded transaction of offline manager 8902 removings, offline manager 8902 is controlled by MCA.Again use communications platforms 8904 to carry out by MCA 8901 synchronously, carry out in the set time of every day or when soon starting online transaction by the account holder.

[1141] now please referring to Figure 87, when offline manager is activated, and when detecting the POS terminal of businessman, transaction can be carried out under off-line mode.Under this pattern, offline manager 8902 is responsible for being connected with the deduction dealing money with POS terminal 8702.When manager 8902 detected Payment Request, it sent message to ask mandate or the wait mandate from the user to MCA.Such mandate can be that the selected key of response authorization requests or the combination of key are pressed.As quote shown in the arrow 8703, payment is sent to POS 8702.In response, POS 8702 accepts payment, and sends as quoting the receipt shown in the arrow 8704.Manager 8902 is safeguarded the dynamic balance that can be used for the off-line shopping, points out as 8705 places.

[1142] after a while, mobile device 8701 must be synchronous again with paying server 8806, and this is a process shown among Figure 88.Because offline manager has kept account holder's the remaining sum that can be used for the off-line shopping, it regularly sends off-line cost report and remaining sum to paying server 8806, as quotes shown in the arrow 8807.Usually, be in the end of every day again synchronously or begin to carry out.In synchronizing process again, offline manager comprises the amount of money of transaction to server 8806 transmission transaction summarization, and dater, the identification number of businessman, as quote shown in the arrow 8808.Server 8806 is confirmed transaction, and the value after being re-set as the available off-line trading amount of money synchronously, as quotes shown in the arrow 8809.Should be appreciated that the value for the offline manager use of storage can be selected by the user.So, every day, jede Woche or every month, the account holder can begin with the amount of money of selecting in advance that can be used for off-line trading.For confirming remaining sum, server 8806 is also synchronous with account and each businessman 8802, as quotes shown in the arrow 8810.

[1143] with by the mobile phone transmission off-line fund that only is equipped with intelligent chip compare, the advantage of this off-line embodiment comprises:

[1144] (1) is lost mobile device and is not meant that and lose fund, because utilize on-line synchronous, the account can close, and remaining sum can be transferred to new account; And

[1145] (2) problem account can be forbidden like a cork, then, reactivates after problem solves.

[1146] major advantage of off-line trading be exchange hour very weak point can finish transaction.Off-line trading for those network authorizations transaction may be too slow the account holder beneficial.Yet when combining with the offline electronic payment function, real-time network licensing mode of the present invention provides general, adaptive and useful system.

[1147] as described above, the present invention relates to a kind of mobile payment platform and service, use mobile device, can provide fast, safety by the individual, and Payment Methods easily.From account holder's mobile device visit fund, mobile device can be mobile phone, PDA, or the communication facilities of other packet-oriented, is used to send payment and receives payment.Financial transaction (P2P) between the individual is carried out, and wherein, each side is identified by the unique designator such as telephone number or bar code.The mobile client application program (MCA) that resides on the mobile device has been simplified visit, and carries out financial transaction in mode fast and safely.

[1148] Figure 81 to 86 has shown the user's screen and the flow process of the mobile telephone application that is used to carry out person-to-person payment.In one implementation, this application program is the stand-alone utility of carrying out on mobile phone, allows the user to send payment to other users, asks payment from other users, checks balance amount information, checks transactions history, and carries out other functions.

[1149] user can change such as font size (for example, little, in, or big) and so on setting.Can select to be used for the agreement that communicates with system, as HTTPS, HTTP, or SMS.The user can require, and when receiving payment, sound or light is arranged, or both.The tip switch is arranged, and so, the user can allow tip screen on the target of request payment (or phone of payee) go up demonstration or do not show.Then, the payee can send than the amount of money of user's request in the request payment and pay the more amount of money.

[1150] contact person's menu is arranged, the user can preserve the contact person, and the contact person from wherein selecting will pay or ask to pay.Message or notepaper field are arranged, and the user can import message with sending payment or Payment Request.For example, the user can tell target, " fund 4, lunch ".A screen that allows the user can import user's PIN is arranged.PIN will can not show, but will show asterisk, blank, or another character.A screen can be arranged, list whole transaction, and give the user confirmed transaction before remittance chance.If wrong, certainly, can before sending, edit transaction.

[1151] application program can further include and helps or concise and to the point users' guidebook, with assisting users and answer the problem of use of user's relevant system.

[1152] Figure 90 has shown the J2ME base of applications framework of MCA according to an embodiment of the invention.Screen sequence 9000 is made of the series of one or more examples of the DataScreen class that shows as 9001 places.The DataScreen example can make the user that specific input is provided or read information.DataFieldScreen 9002 specialized permission input dollar amount of money, telephone number, text or personal identification number or the like.The DataFieldScreen example is responsible for verifying the user data input.MenuDataScreen 9003 and ListDataScreen 9004 provide various menus and tabulation selection function.Change and realized that single selection (radio button), multinomial selection (check box) or menu style are mutual.ReadOnlyDataScreen 9005 examples provide output.Specialization provides the form of the data that are suitable for being shown.Change and realized that single selection (radio button), more options (check box) or menu style are mutual.The ReadOnlyDataScreen example provides output.Specialization provides the form of the data that are suitable for being shown.

[1153] Figure 91 has shown application program (MCA) initialization and screen sequence precedence diagram.Application program launching shown in Figure 91 has shown in proper order how the Menu base class manages the demonstration and the selection of its menu item that comprises.Menu item type has defined the function of their association-for example, payment, remaining sum, historical or the like.Usually, this is with the startup screen sequence.

[1154] Figure 92 has shown the screen sequence class.Screen sequence 9201 has made up the series of DataScreen example, and drives by operating the sequence that starts such as data input and selection " determining " and " retreating " button user.The screen sequence example has also been realized the behavior that started by finishing of screen sequence.Usually, this will cause calling method of servicing-promptly, call the service of the server end such as person-to-person payment.9202 places have shown the sequence that is started by the notice from server.

[1155] Figure 93 has shown that EWP J2ME synchronous service calls.It is by such as user's operation of finishing the screen sequence and so on such as payment and start that synchronous service is called.In the case, startup is also handled rreturn value with the same thread of communicating by letter of the service of server end.

[1156] Figure 94 has shown that EWP J2ME asynchronous service calls.Yet, if agreement is SMS, call service in asynchronous mode, in case (SMS) the message transmission finishes, thread is just finished.Rreturn value from the server end service is handled in the new thread of a reception message informing of deriving from system thread.

[1157] many existing products are arranged, potentially, have a large amount of new products will benefit from the present invention.For example, the telephone plant of any support the Internet such as IP phone (VoIP) phone can be used for implementing the present invention, although can be fixed on an ad-hoc location, not necessarily moves.In other embodiments, can use e-mail address or in many ways as a side who replenishes or replace telephone number to identify participating in financial transaction of telephone number.In addition, the present invention also is not limited only to mobile phone, but can comprise any mobile device, handset, PDA, or other can be connected to such as phone, the Internet, honeycomb fashion, or other communication facilitiess of the communications conduit of other wired or wireless communication networks and so on.

[1158] be also to be understood that described in the accompanying drawing one or more elements also can with separate or integration mode realize, perhaps even remove or do not work in some cases, can be according to the incompatible use of specific applied field.

[1159] though be that to utilize specific embodiment to describe of the present invention,, these embodiment are illustrative, and do not limit the invention.For example, other embodiment can comprise various display architectures, biometric sensor, pressure transducer, temperature sensor, optical sensor, chemical sensor, X ray and other electromagnetic sensors, amplifier, gate array, other logical circuits, printer, and the memory circuit that is used to realize described various embodiment.Mobile phone can be any communication facilities.

[1160] in addition, it is exemplary that any signal arrows in the accompanying drawing all should be regarded as, rather than restrictive, unless specifically stated otherwise.In addition, employed term among the application " or " generally be meant " and/or ", unless otherwise stated.The combination of assembly or step also will be regarded as being pointed out, wherein, it is unclear that term is predicted because present the ability of separating or making up.

[1161] as in the description in this application and employed in whole claims subsequently, " one " comprises a plurality of quoting, unless context particularly points out significantly.In addition, as employed in this description and whole claims subsequently, " ... interior " implication also comprise " ... interior " and " ... on ", unless context particularly points out significantly.

[1162] description of the invention is just in order to illustrate and to describe.It is not detailed explanation or limit the invention to described form accurately that obviously, according to telling about above, many modifications and variation also are fine.Embodiment chosen is just in order to illustrate principle of the present invention best, and its practical application.This description can make those skilled in the art utilize and implement the present invention best with various embodiment, carry out various modifications according to special-purpose.Scope of the present invention is defined by following claim.

Claims (232)

1, a kind of mobile individuation payment system comprises:

Mobile client;

Be used to manage the server of closed loop payment system; And

Can make described mobile client and the server agreement of conduct " mobile wallet " together.

2, system according to claim 1, wherein, described agreement further comprises:

The UI that simplifies, it only needs a step to connect step ground input request msg, shows response data then.

3, system according to claim 1 further comprises the device that utilizes the data, services of described mobile device by the HTTPS API Calls of programmatic.

4, system according to claim 3 further comprises the security arrangement of the HTTPS API Calls of calling described programmatic.

5, system according to claim 1 further comprises the device that calls the SMS text service of utilizing described mobile device by the SMSAPI of programmatic.

6, a kind of mobile individuation payment system comprises:

Be exclusively used in the mobile client application program of carrying out financial transaction; And

Be used for communicating so that use the server that the path method of system of cooperative bank is called provides payment service with described client application.

7, system according to claim 6 further comprises the combined account by the system maintenance of described cooperative bank.

8, system according to claim 7, wherein, described combined account is represented the debit card of a plurality of advance deposits.

9, system according to claim 8, wherein, described advance deposit debit card is linked to the check account in the system of described cooperative bank.

10, system according to claim 8, wherein, the debit card of each described advance deposit can be supplemented with money to account's transfer fund of link or from account's transfer fund of link by the call that client-side program starts by response again.

11, system according to claim 6, further comprise the mobile client application program that at least one is other, wherein, described mobile client application program, server and described at least one other mobile client application program has constituted the closed loop payment system.

12, system according to claim 6, wherein, described mobile client application program, server and described at least one other mobile client application program constituted person-to-person payment funds transfer system.

13, system according to claim 6, wherein, described mobile client application program, server and described at least one other mobile client application program constituted payment funds transfer system between reciprocity partner and the businessman.

14, a kind of mobile individuation payment system comprises:

Client and platform line protocol are used in combination with the MCAP codec, and to transmit between a plurality of mobile devices and platform, the data center that provides based on the host services of J2EE is provided described platform with serializing/solution sequence data.

15, system according to claim 14, wherein, described MCAP codec is the assembly on the mobile device.

16, system according to claim 14, wherein, described data center handles serializing reconciliation serializing according to client and platform line protocol standard.

17, there is some function in system according to claim 14 on mobile device, comprise the input that can show input field and catch the account holder, can utilize the data, services of mobile device by the HTTPS API Calls of programmatic.

18, system according to claim 14, on mobile device, there is some function, comprises the input that can show input field and catch the account holder, can be by the SMS API Calls of programmatic, by the SMS text service of mobile device, utilize the data, services of mobile device.

19, system according to claim 14 wherein utilizes the persistant data service of mobile device by the API Calls of programmatic.

20, system according to claim 14, wherein, mobile device comprises can intercept the inbound messages that mails to mobile device, and " waking up " MCAP is so that handle, wherein, inbound SMS message intercepts on particular port, and handles by agreement.

21, system according to claim 14, wherein said mobile device comprises that " address book " that be used for programming mode and mobile device is integrated, so that specific input field can " link " address book, and, noticeable event notice is given mobile device account holder's device with programming mode by sound, vibration or light.

22, a kind of method that is used to operate the closed loop payment system comprises:

On the equipment of supporting IP, activate client application;

Be established to the communications conduit of paying server;

To be transferred to described paying server from the request of client application, wherein, described request comprises Payment Amount and the described payee's of sign identification number;

The adjustment account remaining sum is with the reflection described request; And

To receive that the advice of payment gives described payee.

23, method according to claim 22 further comprises:

If payment is at the number that does not have the account, then set up the account for the payee; And

Allow the user open an account to receive the viral bait of the fund of savings in the account who sets up.

24, method according to claim 22 further comprises:

If it is suitable that payee's data is pointed out tip, then ask to add " tip " amount of money from payment request person; And

Adjust remaining sum, with the supplementary payments of reflection tip.

25, method according to claim 22 further comprises:

By coming each transaction is settled accounts in real time to corresponding account's allotted fund from combined account.

26, method according to claim 22 further comprises:

Under off-line mode, electing sale is settled accounts.

27, method according to claim 26 further comprises based on close range communication links starting transaction.

28, method according to claim 26 further comprises based on the communication link of being set up by radio frequency identification (RFID) transponder and receiver starting transaction.

29, method according to claim 26 further is included in the description of writing down each transaction in the accounting program together with dealing money.

30, method according to claim 29, wherein, described recording process comprises the word picture that sends transaction to accounting program in real time.

31, method according to claim 29, wherein, described recording process comprises the textual description that sends transaction by SMS to accounting program in real time.

32, method according to claim 22, wherein, the process that starts described client application comprises:

Input first password with identifying user and activate the operation of described client application;

Input second password to be established to the secure link of described paying server; And

Verify the Caller ID of described password coupling expection.

33, a kind of method that is used to carry out financial transaction comprises:

Send the request of carrying out financial transaction by first communication path to paying server from mobile device;

Send personal identification number (PIN) by the second communication path;

In paying server, described request is associated with PIN; And

Based on the association between request and the PIN, carry out financial transaction.

34, method according to claim 33, wherein, the process that sends request further comprises:

Form order; And

Send order by Short Message Service (SMS).

35, method according to claim 34, wherein, the process that forms described order further comprises:

The request payment.

36, method according to claim 35, wherein, the process that forms described order further comprises:

Request is paid to reciprocity partner.

37, method according to claim 35, wherein, the process that forms described order further comprises:

Request is paid to businessman.

38, method according to claim 35, wherein, the process that forms described order further comprises:

Add message to described order.

39, according to the described method of claim 38, wherein, the process that forms described order further comprises:

Add record mark to described order.

40, according to the described method of claim 39, wherein, the process that sends described order further comprises:

Send described order to the application program that accounts.

41, according to the described method of claim 39, wherein, the process that sends described order further comprises:

Send described order to value-added service provider.

42, method according to claim 33, wherein, the process that forms described order further comprises:

The request account balance.

43, according to the described method of claim 42, further comprise:

Receive account balance message by SMS.

44, method according to claim 33 further comprises:

The request account history.

45, according to the described method of claim 44, further comprise:

Receive account history message by SMS.

46, method according to claim 33 further comprises:

Request sends Payment Request to reciprocity partner.

47, according to the described method of claim 46, further comprise:

Send payment request message by SMS to reciprocity partner.

48, according to the described method of claim 47, further comprise:

Receive the indication that payment has been authorized to or has refused, described indication sends by SMS.

49, according to the described method of claim 48, further comprise:

Ask reciprocity partner to set up an account, pay to the requestor from this account, described request sends by SMS.

50, method according to claim 33 further comprises:

Request help.

51, according to the described method of claim 50, further comprise:

Receive help message by SMS.

52, method according to claim 33, wherein, mobile device is a cell phone.

53, method according to claim 33, wherein, described first communication path is a SMS textcommunication channel, described second communication path is the Speech Communication channel.

54, according to the described method of claim 53, wherein, in DTMF, PIN is encoded.

55, according to the described method of claim 53, wherein, provide the articulation of PIN, by interactive speech recognition system it is decoded then.

56, a kind of method of using mobile device to carry out financial transaction comprises:

Activate the mobile client application program to manage the finance request;

The explicit user interface is so that form order;

Send the request that comprises the order of carrying out financial transaction by first communication path to paying server from mobile device;

Send personal identification number (PIN) by the second communication path;

In paying server, described request is associated with PIN; And

Based on the association between request and the PIN, carry out financial transaction.

57, according to the described method of claim 56, wherein, the process that sends described request further comprises:

Send order by messaging protocol.

58, according to the described method of claim 57, wherein, the process that forms described order further comprises:

The request payment.

59, according to the described method of claim 56, wherein, the process that forms described order further comprises:

Request is paid to reciprocity partner.

60, according to the described method of claim 59, wherein, the process that forms described order further comprises:

Request is paid to businessman.

61, according to the described method of claim 56, wherein, the process that forms described order further comprises:

Add message to described order.

62, according to the described method of claim 61, wherein, the process that forms described order further comprises:

Add record mark to described order.

63, according to the described method of claim 62, wherein, the process that sends described order further comprises:

Send described order to the application program that accounts.

64, according to the described method of claim 62, wherein, the process that sends described order further comprises:

Send described order to value-added service provider.

65, according to the described method of claim 56, wherein, the process that forms described order further comprises:

The request account balance.

66, according to the described method of claim 65, further comprise:

Receive account balance message by selected agreement.

67, according to the described method of claim 56, further comprise:

The request account history.

68, according to the described method of claim 67, further comprise:

Receive account history message by selected agreement.

69, according to the described method of claim 56, further comprise:

Request sends Payment Request to reciprocity partner.

70, according to the described method of claim 69, further comprise:

Send payment request message by selected agreement to reciprocity partner.

71, according to the described method of claim 70, further comprise:

Receive the indication that payment has been authorized to or has refused, described indication sends by SMS.

72, according to the described method of claim 71, further comprise:

Ask reciprocity partner to set up an account, pay to the requestor from this account, described request sends by SMS.

73, according to the described method of claim 56, further comprise:

Request help.

74, according to the described method of claim 73, further comprise:

Receive help message by SMS.

75, according to the described method of claim 56, wherein, mobile device is a cell phone.

76, a kind of mobile individuation payment system comprises:

Be exclusively used in the mobile client application program of carrying out financial transaction; And

Be used for communicating, so that the server of the payment services that are linked to the selected account among a plurality of accounts is provided with described client application.

77, according to the described system of claim 76, further comprise the mobile client application program that at least one is other, wherein, described mobile client application program, server and described at least one other mobile client application program has constituted the closed loop payment system with lower tranaction costs.

78, according to the described system of claim 76, further comprise the mobile client application program that at least one is other, wherein, having constituted of described mobile client application program, server and described at least one other mobile client application program do not have the closed loop of tranaction costs payment system.

79,, comprise person-to-person payment funds transfer system according to the described system of claim 76.

80,, comprise the monthly service fee of collecting to each reciprocity partner according to the described system of claim 79.

81, according to the described system of claim 76, comprise the payment funds transfer system of consumer and businessman, wherein, collect tranaction costs to the consumer.

82,1 described system according to Claim 8 further comprises businessman's payment plan of representing the consumer to select the payment transaction expense.

83, a kind of being used to carried out quick shopping method, comprising:

Select product;

Activate the mobile client application program with processes financial transactions;

Do shopping; And

Address in appointment automatically receives selected product.

84, a kind of being used to carried out quick shopping method, comprising:

Select product;

Activate the mobile client application program with processes financial transactions;

Do shopping; And

Automatically receive selected product in specified geographic location.

85,4 described methods according to Claim 8 further comprise the visible bar code from the outside that uses with mobile phone association, come activating sale by bar code scanning.

86,4 described methods according to Claim 8 comprise that further the near-field communication equipment that utilizes with mobile phone association comes activating sale.

87,4 described methods according to Claim 8 comprise that further the RFID equipment that utilizes with mobile phone association comes activating sale.

88, a kind of being used to carried out quick shopping method, comprising:

Authorize the purchase of selected product or service in advance;

Utilize mobile phone to do shopping; And

Elimination is done shopping to authorize by any further operation that the consumer carries out.

89,8 described methods according to Claim 8 further comprise the visible bar code from the outside that uses with mobile phone association, come activating sale by bar code scanning.

90,8 described methods according to Claim 8 comprise that further the near-field communication equipment that utilizes with mobile phone association comes activating sale.

91,8 described methods according to Claim 8 comprise that further the RFID equipment that utilizes with mobile phone association comes activating sale.

92, a kind ofly be used to prevent the method submitted to from the duplicity of the repetition financial transaction of mobile phone input, comprise:

Before authorizes financial transactions, the sequence number that will receive from mobile phone and the sequence number of expection compare; And

If two sequence numbers match then allow to conclude the business.

93, according to the described method of claim 92, further comprise:

Request PIN; And

Telephone number that will obtain from Caller ID and PIN and database compare, and are legal with the use of checking mobile phone;

Elimination is done shopping to authorize by any further operation that the consumer carries out.

94, a kind ofly be used to prevent the method submitted to from the duplicity of the repetition financial transaction of mobile phone input, comprise:

Before authorizes financial transactions, the sequence number that will receive from mobile phone and the tabulation of previously used sequence number compare; And

If any one in the previously used sequence number of the sequence numbers that receives then allows to conclude the business.

95, according to the described method of claim 94, further comprise:

Request PIN; And

Telephone number that will obtain from Caller ID and PIN and database compare, and are legal with the use of checking mobile phone;

Elimination is done shopping to authorize by any further operation that the consumer carries out.

96, a kind ofly be used to prevent the method submitted to from the duplicity of the repetition financial transaction of mobile phone input, comprise:

Before authorizes financial transactions, the sequence number that will receive from mobile phone and the sequence number of expection compare;

Before authorizes financial transactions, the sequence number that will receive from mobile phone and the sequence number of expection compare; And

If sequence numbers match in first comparison step and not matching in second comparison step then allows to conclude the business.

97, according to the described method of claim 96, further comprise:

Request PIN; And

Telephone number that will obtain from Caller ID and PIN and database compare, and are legal with the use of checking mobile phone.

98, a kind ofly be used to prevent the method submitted to from the duplicity of the financial transaction of mobile phone input, comprise:

The request that has first identifier by transmission starts financial transaction, and described request is to use first communications conduit to send;

By the second communication channel, use dtmf tone to readjust the distribution and send PIN;

Only under the situation of a described request and a joint account of PIN coupling, just reach financial transaction.

99, a kind ofly be used to prevent the method submitted to from the duplicity of the financial transaction of mobile phone input, comprise:

Receive the request that starts financial transaction on first communications conduit, described request has first account identifier;

By the second communication channel, use the dtmf tone transfer to receive PIN; And

Only under the situation of a described request and a joint account of PIN coupling, just reach financial transaction.

100,, further comprise the call of startup to the telephone number of pointing out by first account identifier according to the described method of claim 99.

101, according to the described method of claim 99, wherein, first communications conduit is a SMS transmission channel.

102, a kind of method of swindle that is used for preventing using from mobile phone the financial transaction of SMS input comprises:

On mobile phone, form the first plain language SMS message that has the indication of carrying out financial transaction;

Send SMS message to transaction processor;

Intercepting SMS message; And

Before will sending to transaction processor, be data, services message with the SMS message conversion that intercepts through the SMS message of conversion.

103, according to the described method of claim 102, further comprise:

The second plain language message that will comprise password sends to transaction processor;

Intercept the 2nd SMS message; And

Before will sending to transaction processor, be data, services message with the second SMS message conversion that intercepts through the SMS message of conversion.

104,, further be included in the storage first plain language SMS message in the transaction file folder in the mobile phone according to the described method of claim 103.

105,, further be included in to convert to and the first and second plain language SMS message encrypted before the data, services message according to the described method of claim 103.

106, according to the described method of claim 103, wherein, described intercepting step is carried out by the circuit cover, and the circuit cover is included in the mobile client application program of inserting between mobile phone and its SIM card (MCA).

107, a kind of cell phone apparatus with SIM card, described equipment further is included in the circuit that inserts between SIM card and the mobile phone, be used to intercept the SMS message that sends to transaction processor or receive from transaction processor, described circuit comprises and was used for before intercepted message is sent to transaction processor intercepted message encrypted and convert them to data, services message, and, be used for the data service message is decrypted and is the logic element of plain language SMS message with the data, services message conversion for the message that receives from transaction processor.

108, a kind of mobile device that is used to carry out financial transaction comprises:

Communication layers;

Program API;

Be used to be connected to the user interface API of program API; And

Be used to be connected to the user interface API of value-added service.

109,, wherein, can by the SMS text service of mobile device, utilize the SMS data, services of mobile device by the SMS API Calls of programmatic according to the described system of claim 108.

110, according to the described system of claim 108, wherein, can pass through API Calls at the programmatic of value-added service, utilize the persistant data service of mobile device.

111, a kind of closed loop financial sector comprises:

Be used for receiving the transaction processor of financial transaction request from a plurality of account holders;

A plurality of mobile phones, each mobile phone all are associated with corresponding account holder;

Be used for mobile phone chain is received the communication network of transaction processor.

112, according to the described system of claim 111, further comprise ledgers, be used for fund is transferred at least one other account holder from an account holder, and do not produce credit card trade expense or the ACH of bank expense.

113, according to the described system of claim 111, further comprise combined account, comprising all funds that the account holder holds, combined account is related with ledgers, with the transfer of fund between the account executive possessor.

114,, further comprise the device that is used for injecting to combined account fund from external source according to the described system of claim 113.

115, according to the described system of claim 114, further comprise the device that is used for the fund that moves from combined account.

116, a kind of method that is used to operate the closed loop financial sector comprises:

Maintenance comprises the combined account from all account holders' fund;

Receive the financial transaction request of allotted fund from least one account holder; And

Safeguard ledgers, to follow the tracks of the fund that belongs to each account holder in the combined account.

117, according to the described method of claim 116, wherein, fund is transferred at least one other account holder.

118, according to the described method of claim 116, wherein, fund is transferred to a non-account holder.

119, according to the described method of claim 118, further comprise availability by the non-account holder's fund of SMS message informing.

120,, further be included as non-account holder and open a new account, thereby make non-account holder become the new account possessor according to the described method of claim 119.

121,, wherein, need not advertising fee and just obtained the new account possessor according to the described method of claim 120.

122,, further comprise the new account possessor is started adaptability (OFAC) inspection according to the described method of claim 120.

123, according to the described method of claim 122, further comprise:

The new account possessor is appointed as " not having card " account holder; And

There is not the limited fund contact authority of card account holder.

124,, further do not comprise by Sending Debit Card to recording address and provide debit card to there being the card account holder according to the described method of claim 123.

125, according to the described method of claim 124, further comprise:

The place, address that is received in record receives the affirmation of card; And

Be not appointed as account holder with there being the card account holder with the full access right that is combined the fund of holding among the account.

126,, wherein, safeguard, receive, and maintenance is all managed by single entity according to the described method of claim 116.

127, according to the described method of claim 126, wherein, single entity is a register system, and bears the risk of safeguarding combined account.

128, a kind ofly be used to prevent the system submitted to from the duplicity of the financial transaction of mobile phone input, comprise:

Can be by the ground floor of account holder's control; And

Can be by the second layer of management entity control.

129, according to the described system of claim 128, described ground floor further comprises:

Be used to specify the qualified device that receives fund from account of account holder by account holder's control; And

Be used to specify the account holder disqualification receives fund from the account by account holder's control device.

130, according to the described system of claim 128, wherein, described ground floor further comprises the device of the user's who is used to specify the account who is controlled by the account holder cost restriction.

131, according to the described system of claim 128, wherein, the described second layer further comprises the device of the user's who is used to specify the account who is controlled by the account holder cost speed limit.

132, according to the described system of claim 128, wherein, the described second layer further comprises the device that is used to detect bogus transaction.

133, a kind of mobile device that is used to carry out financial transaction comprises:

Speech Communication connects;

Being used to of carrying out on mobile device generates user interface API to create the JAVA API of transaction request;

The JAVA API that is used to use dtmf tone tuning transaction processor transmission requests that on mobile device, carries out.

134, according to the described equipment of claim 133, further comprise:

Being used to of carrying out on mobile device receives the JAVA API from the dtmf code response of transaction processor; And

The JAVA API that is used for the coding response is converted to the form that the people can read on the user interface that is carrying out on the mobile device.

135,, further comprise being used at the device of before the transmission described request being encrypted and the device that before changing described response is being decrypted according to the described equipment of claim 134.

136, a kind of financial transaction system comprises:

Be used to start first mobile device of financial transaction, have the device that is used to select start the communications conduit of described financial transaction; And

Transaction processor.

137, according to the described system of claim 136, further comprise related with the described transaction processor device that is used for determining communications conduit, be used to notify second mobile device, illustrate that financial transaction carries out, wherein, described financial transaction relates to two account holders at least.

138, according to the described system of claim 137, wherein, by the selected described communications conduit of described first equipment with selected inequality with the communications conduit type of getting in touch with described second mobile device by described trading server.

139, according to the described method of claim 102, further comprise:

By the SMS synthesizer of safety, send the SMS message that comprises password to described transaction processor.

140, as described above system basically.

141, as shown in the figure system basically.

142, as shown in the figure method basically.

143, as described above method basically.

144, a kind of financial transaction system comprises:

Be connected to the consumer interface of network, comprise:

Processing is from the Web interface of the transaction request of Web browser client;

Processing is from the mobile Internet browser of the transaction request of the mobile Internet browser on the mobile phone client;

Use the SMS text message to handle the SMS interface of transaction request; And,

Handle the mobile client Application Program Interface of the request of the mobile client application program of carrying out on the comfortable mobile phone client.

145, according to the described system of claim 144, wherein, the consumer interface further comprises:

Processing is from the interactive voice response interface of the request of telephone audio channel.

146, according to the described system of claim 144, comprising:

The user's of new registration combined account, wherein, after registration, the user of new registration can conclude the business with registered user immediately.

147, according to the described system of claim 144, wherein, described mobile client Application Program Interface allows to carry out money transfer transactions, loads account transaction, unloads account transaction, and the inquiry into balance transaction.

148, according to the described system of claim 144, wherein, the consumer interface further comprises:

Processing is from the instant message interface of the request of instant message client.

149, according to the described system of claim 144, comprising:

Financial cooperation partner interface;

The businessman interface, wherein, the user can be arranged in the fund that is connected to the bank of system by described financial cooperation partner interface by the visit of consumer interface, and to the businessman's account transfer that is connected to described businessman interface.

150, according to the described system of claim 144, comprising:

By the register system that described financial transaction system manages, the transaction that record is carried out by the consumer interface.

151, according to the described system of claim 144, comprising:

By the combined account that described financial transaction system manages, wherein, a plurality of clients of visiting described system by the consumer interface have the account in combined account.

152, according to the described system of claim 151, wherein, a plurality of clients do not have the account in described combined account, but have the account in the financial institution that can visit described system.

153, a kind of method comprises:

The Application Program Interface of concluding the business with the first financial cooperation partner is provided;

The SMS message interface that receives the request of concluding the business is provided; And,

Be provided for receiving the mobile client Application Program Interface of the request of concluding the business, wherein, by SMS message interface or mobile client interface, client can ask to transfer accounts to second account who is positioned at the second financial cooperation partner from first account who is positioned at the first financial cooperation partner.

154, according to the described method of claim 153, comprising:

Be provided for the Application Program Interface of concluding the business with the second financial cooperation partner, wherein, by SMS message interface or mobile client interface, client can ask to transfer accounts to the account who is positioned at the second financial cooperation partner from the account who is positioned at the first financial cooperation partner.

155, according to the described method of claim 153, comprising:

Be provided for writing down register system by the transaction of described SMS message interface and the request of mobile client interface.

156, a kind of method comprises:

On the display of mobile phone, show first screen,, comprise to first option of the opposing party's payment and second option of request balance amount information to show a plurality of options;

When the user selects first option, show second screen, send the destination phone numbers of payment for user's input to it;

After the user imports destination phone numbers, show the 3rd screen, import dealing money for the user;

After the user imports telephone number, show the 4th screen, import the PIN code for the user; And,

After the user imports described PIN code, send the Transaction Information that comprises described destination phone numbers, dealing money and PIN code with wireless mode to server, so that handle.

157, described method comprises:

After the user imports described destination phone numbers, show the 5th screen, import optional message for the user.

158, according to the described method of claim 156, comprising:

When the user has selected second option, send the request of the information that queries the balance to server with wireless mode;

Receive balance amount information from server; And,

In the 5th screen, show balance amount information.

159, according to the described method of claim 156, wherein, described first screen further provides the 3rd option of requesting for payment from the opposing party.

160, according to the described method of claim 156, wherein, described second screen has the 3rd option, when the user has selected this option, provide the right to use of address book to the user, from this address book, the user can select clauses and subclauses as described destination phone numbers.

161, according to the described method of claim 156, wherein, described Transaction Information comprises the sequence number that is generated by described mobile phone.

162, according to the described method of claim 156, wherein, fund safeguards in described server, rather than on described mobile phone, safeguard.

163, according to the described method of claim 156, further comprise:

When in mobile phone, receiving the request of claim for payment, show the 5th screen, can import the tip amount of money for the user.

164, a kind of method comprises:

Receive payment indication from a certain amount of money to second user that pay from first user, wherein, described first user is registered user, and described second user identifies by described second user's telephone number;

Based on described telephone number, determine that described second user is not registered user;

To sending first electronic information, notify described second user obligation from described first user with described telephone number associated equipment;

After sending described first electronic information, register described second user, and present first option of acceptance for described second user, and refusal is from second option of described first user's obligation from described first user's obligation;

When described second user selects described first option, mark the described amount of money from first account related, and put the described amount of money under to second account related with described second user with described first user; And

When described second user selects described second option, to unaccepted second electronic information of described first user's Sending Payments.

165, according to the described method of claim 164, wherein, described second account is arranged in combined account, when described first user is when not having the registered user of card, described first account is arranged in described combined account, and describedly marks and put under process and be included in and safeguard the described amount of money in the described combined account.

166, according to the described method of claim 164, wherein, described second account is arranged in combined account, when described first user is when not having the registered user of card, described first account is arranged in described combined account, and describedly marks and put under process and do not comprise in that described combined account is outside and shift the described amount of money.

167, according to the described method of claim 164, wherein, when described first user is when not having the registered user of card, described first account is arranged in first combined account, and described second account is arranged in second combined account that is different from described first combined account, and describedly marks and put under process and comprise from described first combined account and shift the described amount of money to described second combined account.

168, according to the described method of claim 164, wherein, described first user has the registered user of card, and described second account is arranged in combined account, and describedly mark and put under process and comprise from described second account of described first account to described combined account and shift the described amount of money, thereby described combined account has been increased the described amount of money.

169, according to the described method of claim 164, comprising:

Except that described payment indication, also receive the sequence number that generates by the equipment that has sent described payment indication; And,

After receiving described sequence number, generate the Transaction Identification Number of described payment indication.

170, according to the described method of claim 164, comprising:

Only just handle described payment indication under the situation of the sequence number that before described sequence numbers is stored in any in the database, receives.

171, according to the described method of claim 170, wherein, described database is included in the sequence number that poll received in the time cycle.

172, according to the described method of claim 164, comprising:

After receiving described sequence number, generate the sequence number of expection; And

Only under the situation of the sequence number of the described expection of described sequence numbers match, just handle described payment indication.

173, a kind of method comprises:

Receive payment indication from a certain amount of money to second user that pay from first user, wherein, described first user is registered user, and described second user identifies by described second user's telephone number;

Based on described telephone number, determine that described second user is not registered user;

To sending first electronic information, notify described second user obligation from described first user with described telephone number associated equipment;

After sending described first electronic information, register described second user, and present first option of acceptance for described second user from described first user's obligation, refusal is from second option of described first user's obligation, and request is to making the 3rd option of change from described first user's obligation;

When described second user selects described first option, mark the described amount of money from first account related, and put the described amount of money under to second account related with described second user with described first user; And

When described second user selects described second option, to unaccepted second electronic information of described first user's Sending Payments.

174, according to the described method of claim 173, comprising:

When described second user selects described the 3rd option, send the 3rd electronic information to described first user, illustrate that described second user request changes described obligation.

175, according to the described method of claim 173, comprising:

When described second user selects described the 3rd option,

Reception changes to the request of the different amount of money from described second user with obligation,

Send the 3rd electronic information to described first user, notify described first user that described pending payment is changed,

Present for described first user to accept the 4th option of described change to described obligation or refusal the 5th option to the change of described obligation, and

When described first user selects described the 4th option, from described first user's account, mark the described different amount of money and to putting the described different amount of money under with the related account of described second user.

176, according to the described method of claim 173, wherein, described equipment is in smart phone, mobile telephone equipment, portable email equipment, personal digital assistant or the computing machine at least.

177, according to the described method of claim 173, comprising:

After definite described second user is not registered user, in described first account, reserve the described amount of money.

178, according to the described method of claim 173, comprising:

After definite described second user is not registered user, in described first account, reserve the described amount of money; And

Certain fate is not cancelled the reservation of the described amount of money among described first account after the past when described second user still registers from receiving the payment indication.

179, a kind of method comprises:

Receive payment indication from a certain amount of money to second user that pay from first user, wherein, described first user is registered user, and described second user identifies by described second user's telephone number;

Based on described telephone number, determine that described second user is not registered user;

To sending first electronic information, notify described first user of described second user to attempt payment with described telephone number associated equipment;

After sending described first electronic information, register described second user, send second electronic information to described first user, illustrate that second user registers, and present to first option that described second user pays the described amount of money for described first user; And

When described first user selects described first option, from first account related, mark the described amount of money, and put the described amount of money under to second account related with described second user with described first user.

180, according to the described method of claim 179, comprising:

After described second user registers, put the recommendation bonus amount of money under for described first account.

181, according to the described method of claim 179, comprising:

After described second user registers, put the recommendation bonus amount of money under for described second account.

182, according to the described method of claim 179, comprising:

Send second electronic information to described first user, illustrate that second user is not registered user.

183, according to the described method of claim 179, comprising:

Except that described payment indication, also receive the sequence number that generates by the equipment that has sent described payment indication; And,

After receiving described sequence number, generate the Transaction Identification Number of described payment indication.

184, a kind of method comprises:

Reception is from the electronic request of subscriber equipment with the exchange of value transaction of wireless mode transmission;

With described electronic request with receiving and the related transmission security key of described electronic request;

Judge whether described transmission security key is present in the tran list;

If transmission security key is not in described tran list, then described transmission security key of input and exchange of value are concluded the business in described tran list, and handle described exchange of value transaction;

If described transmission security key is arranged in described tran list, then described exchange of value transaction is not handled.

185, according to the described method of claim 184, wherein, described transmission security key has comprised identification request user's the electronic identifier and the sequence number of described exchange of value transaction, described sequence number is stored in the described subscriber equipment, advances to the next one numbering in the sequence before the next exchange of value transaction by described user device transmissions.

186, according to the described method of claim 185, wherein, described sequence number is stored in the nonvolatile memory in the described subscriber equipment.

187, according to the described method of claim 184, wherein, described transmission security key comprises pseudo random number.

188, according to the described method of claim 184, described transmission security key has comprised identification request user's first electronic identifier of described exchange of value transaction, sign is as the user's of the target of described exchange of value transaction second electronic identifier, the amount of money of described exchange of value transaction, and with the described related time of exchange of value transaction.

189, according to the described method of claim 184, wherein, described exchange of value transaction comprises from first user with described user device association remits money to second user with another user device association.

190, according to the described method of claim 184, wherein, described subscriber equipment is a mobile phone.

191, according to the described method of claim 184, wherein, described transmission security key does not show on described subscriber equipment.

192, according to the described method of claim 184, wherein, electronic request is that the SMS text message service by described subscriber equipment sends.

193, according to the described method of claim 184, wherein, when described subscriber equipment uses first application client to send described electronic request, described transmission security key comprises the first information, when described subscriber equipment used second application client that is different from described first application client to send described electronic request, described transmission security key comprised the first information.

194, according to the described method of claim 193, wherein, described first application client is the special-purpose exchange of value transactional services application program of carrying out on described subscriber equipment, and the SMS message application that described second application client is described subscriber equipment.

195,, wherein,, then suspend the user's who sends described electronic request account if described transmission security key is arranged in described tran list according to the described method of claim 184.

196, according to the described method of claim 184, wherein, the process of handling described exchange of value transaction comprises:

For described exchange of value transaction generates the transaction ID symbolic code;

Send the electronic information that comprises described transaction ID symbolic code to described subscriber equipment, wherein, described transaction ID symbolic code can be checked on described subscriber equipment.

197, a kind of method comprises:

Reception is from the electronic request of subscriber equipment with the exchange of value transaction of wireless mode transmission;

Receive the key of the transmission related with electronic request;

Generate the key of expection;

The key of transmission and the key of expection are compared; And,

If the key of the key match of described transmission expection, then salvage value exchange transaction.

198, according to the described method of claim 197, wherein, the process that generates the key of described expection comprises that the seed that uses to the user account storage related with described exchange of value transaction carries out evaluation to a function, described method further is included in carries out after the evaluation described function, determine the next seed in the sequence, and replace with the described seed of described user account storage with the described next seed in the sequence.

199, according to the described method of claim 197, comprising:

The key of described expection if the key of described transmission does not match is not then handled described exchange of value transaction, and time-out and the related user account of described exchange of value transaction.

200, according to the described method of claim 197, wherein, the process of handling described exchange of value transaction comprises:

Generate the transaction ID symbolic code of the key that is different from described expection for described exchange of value transaction;

Send the electronic information that comprises described transaction ID symbolic code to described subscriber equipment, wherein, described transaction ID symbolic code is presented on the described subscriber equipment.

201, according to the described method of claim 197, wherein, described exchange of value transaction comprises from first user with described user device association remits money to second user with another user device association.

202, according to the described method of claim 197, wherein, the key of described expection is a pseudo random number.

203, according to the described method of claim 197, wherein, the process that generates described expection key comprises:

From the subscriber data related, retrieve seed with the exchange of value transaction;

The relevant information of using the function of the key that generates transmission of retrieval from subscriber data; And,

Use seed that function is carried out evaluation.

204, a kind of method comprises:

One group of user's of disposal system financial transaction, wherein, described financial transaction can be specified by mobile phone, and described user's child group is related with financial institution;

Handle the financial transaction related with first financial institution, wherein, the user in the first son group is related with described first financial institution;

Handle the financial transaction related with second financial institution, wherein, the user in the second son group is related with described second financial institution;

Handle the financial transaction related with the 3rd financial institution, wherein, the user in the 3rd son group is related with described the 3rd financial institution;

Maintenance comprises the virtual combined account of related with described first, second and the 3rd financial institution described first, second and the 3rd son group user's fund; And

Based on the unsteady income of the fund in the described first son group user's the described virtual combined account, add the number percent that described the 3rd son is organized the unsteady income of the fund in user's the described virtual combined account, distribute first bonus to described first financial institution.

205, according to the described method of claim 204, comprising:

Based on the unsteady income of the fund in the described second son group user's the described virtual combined account, add the number percent that described the 3rd son is organized the unsteady income of the fund in user's the described virtual combined account, distribute second bonus to described second financial institution.

206, according to the described method of claim 204, comprising:

The indication of the second user account transfer of first user reception from the described first son group in the described second son group, wherein, fund is not in the outside transfer of described virtual combined account.

207, according to the described method of claim 206, wherein, described indication sends from mobile phone by SMS message with wireless mode.

208, according to the described method of claim 206, wherein, described indication is to use the application program of carrying out on described mobile phone to send from mobile phone with wireless mode.

209 according to the described method of claim 204, and wherein, described the 3rd financial institution is the direct affiliate of described system.

210, according to the described method of claim 204, wherein, each user all only with described first, second or the 3rd financial institution in one related.

211, according to the described method of claim 204, comprising:

The register system of managing virtual combined account, wherein, described register system comprises the record of the transaction of the user in described first, second and the 3rd son group.

212, a kind of method comprises:

One group of user's of disposal system financial transaction, wherein, described financial transaction can be specified by mobile phone, and described user's child group is related with financial institution;

Handle the financial transaction related with first financial institution, wherein, the user in the first son group is related with described first financial institution;

Handle the financial transaction related with second financial institution, wherein, the user in the second son group is related with described second financial institution;

Handle in the 3rd son group with described system relationship not with the related user's of described first and second financial institutions financial transaction;

Maintenance comprises the virtual combined account with described first, second and the 3rd son group user's of described first, second financial institution and described system relationship fund; And

Based on the unsteady income of the fund in the described first son group user's the described virtual combined account, add the number percent that described the 3rd son is organized the unsteady income of the fund in user's the described virtual combined account, distribute first bonus to described first financial institution.

213, according to the described method of claim 212, comprising:

Based on the unsteady income of the fund in the described second son group user's the described virtual combined account, add the number percent that described the 3rd son is organized the unsteady income of the fund in user's the described virtual combined account, distribute second bonus to described second financial institution.

214, according to the described method of claim 212, comprising:

The indication of the second user account transfer of first user reception from the described first son group in the described second son group, wherein, fund is not in the outside transfer of described virtual combined account.

215, according to the described method of claim 214, wherein, described indication sends from mobile phone by SMS message with wireless mode.

216, according to the described method of claim 214, wherein, described indication is to use the application program of carrying out on described mobile phone to send from mobile phone with wireless mode.

217, according to the described method of claim 212, wherein, each user all only with described first financial institution, second financial institution, an or association in the described system.

218, according to the described method of claim 212, comprising:

The indication of the second user account transfer of first user reception from the described first son group in described the 3rd son group, wherein, fund is not in the outside transfer of described virtual combined account.

219, according to the described method of claim 214, wherein, described indication sends by explorer.

220, according to the described method of claim 214, comprising:

The register system of managing virtual combined account, wherein, described register system comprises the record of the transaction of the user in described first, second and the 3rd son group.

221, a kind of method comprises:

Receive a plurality of businessmans contribution and think that member's payment system provides with funds;

Described businessman contribution is put into the merging account in trust, and wherein, interest is not received to their contribution by businessman;

Allow a plurality of consumers freely to become the user of the registration of mobile-payment system;

Allow the user of registration freely to load fund or therefrom unload fund to the current account of described member's payment system; And

Allow businessman freely to load fund or from wherein unloading fund to the current account of described member's payment system, thereby, be that described member's payment system is provided with funds with the interest of merging account in trust.

222, according to the described method of claim 221, wherein, described member's payment system allows the user of registration by the user-pay of mobile phone request to another registration.

223, according to the described method of claim 221, wherein, described member's payment system allows the user of registration to pay the bill to businessman by the mobile phone request.

224, according to the described method of claim 221, wherein, described member's payment system is managed the user's of described registration transaction record.

225, according to the described method of claim 221, wherein, described member's payment system is managed the transaction record of described businessman.

226, according to the described method of claim 221, wherein, described member's payment system is managed the user of described registration and the transaction record of businessman.

227, according to the described method of claim 221, wherein, when the contribution of described businessman to described member's payment system given back in businessman request, the user of registration will no longer be allowed to the account transfer to described businessman.

228, according to the described method of claim 221, wherein, be under participant's the situation of described member's payment system in businessman, do not collect regular regular tranaction costs to described businessman.

229, according to the described method of claim 221, wherein, the user of registration can by Automatic Clearing House (ACH) or directly at least one in the savings account (DDA) deposit or draw fund.

230, according to the described method of claim 221, comprising:

The user who allows registration pays to businessman by the mandate of member's payment system by using two factor mandated programs.

231, according to the described method of claim 221, comprising:

Allow the user of registration correctly to import the personal identification number, pay to businessman by the mandate of described member's payment system by user's mobile phone and the described user who uses described registration.

232,, wherein, provide debit card to the user of each registration according to the described method of claim 221.

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