CN101647040A - 使用别名的移动支付系统和方法 - Google Patents

使用别名的移动支付系统和方法 Download PDF

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CN101647040A
CN101647040A CN200780050814A CN200780050814A CN101647040A CN 101647040 A CN101647040 A CN 101647040A CN 200780050814 A CN200780050814 A CN 200780050814A CN 200780050814 A CN200780050814 A CN 200780050814A CN 101647040 A CN101647040 A CN 101647040A
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M·卡尔森
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Visa USA Inc
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    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/24—Accounting or billing
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3221—Access to banking information through M-devices
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    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/68—Payment of value-added services
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/80—Rating or billing plans; Tariff determination aspects
    • H04M15/8033—Rating or billing plans; Tariff determination aspects location-dependent, e.g. business or home
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
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    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/01—Details of billing arrangements
    • H04M2215/0196—Payment of value-added services, mainly when their charges are added on the telephone bill, e.g. payment of non-telecom services, e-commerce, on-line banking
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
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    • H04M—TELEPHONIC COMMUNICATION
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    • H04M—TELEPHONIC COMMUNICATION
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    • H04M2215/815—Notification when a specific condition, service or event is met
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
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    • H04M2215/815—Notification when a specific condition, service or event is met
    • H04M2215/8166—Available credit

Abstract

公开了用于允许金融交易使用移动电话来进行的方法和系统。付款人通过从移动电话发送指定收款人和要支付金额的支付请求消息来发起交易。收款人由在数据库中维护的唯一别名来标识。包括用于组装登记和别名数据库的方法。

Description

使用别名的移动支付系统和方法
相关申请的交叉引用
本专利申请是2006年12月26日提交的美国临时专利申请No.60/871,898的非临时申请，并要求该临时申请的优先权，该临时申请通过整体引用通用地结合于此。
背景
使用移动电话来进行金融交易正在日益普及。已尝试了使用移动电话来进行金融交易的各种手段。最常用的手段涉及通过将收款人的蜂窝电话号码用作标识符来向收款人发送支付。然而，该方法造成了一定的困难。首先，收款人必须具有能够接收支付的蜂窝电话。其次，付款人必须知道收款人的电话号码。由于蜂窝电话往往频繁改变，因此付款人必须确定所使用的电话号码是正确的。否则，付款人将冒把支付发送给分配到预期收款人的旧电话号码的非预期第三方的风险。此外，在某些情况下，收款人和付款人可能不希望向彼此泄露诸如其蜂窝电话号码等个人信息。因此，存在对使用电话来进行金融交易的新方法的需求。
本发明的各实施例解决了这些和其他问题。
简要概述
本发明的各实施例涉及用于允许使用移动电话来进行支付的方法和系统。
本发明的一个实施例涉及一种方法。该方法包括从由付款人操作的移动电话接收支付请求消息，其中该支付请求消息包括支付给收款人预定金额的请求，并且其中该支付请求消息包括唯一地与该收款人相关联的个人别名以及交易额。分析该支付请求消息以确定该付款人是否被授权向该收款人支付。将支付通知消息发送给该收款人以指示该付款人已经向该收款人作出支付。
本发明的另一个实施例涉及一种方法。该方法包括从付款人处接收支付请求消息，该支付请求消息包括要支付给收款人的金额以及与该收款人相关联的别名，其中该支付请求消息由付款人通过由付款人操作的移动电话来发送。响应于该消息来将认证请求消息发送到该移动电话。响应于发送该认证请求消息来从付款人处接收认证令牌。该认证令牌由付款人通过使用移动电话来发送，并且验证与该付款人相关联的认证令牌。如果该认证令牌被验证为与付款人相关联，则发起该金额对使用该别名的该收款人的支付。
本发明的另一个实施例涉及一种方法。该方法包括从收款人处接收创建唯一地与该收款人相关联的别名的注册请求，其中该请求指定所请求的别名。该收款人操作移动电话并可使用该别名和移动电话来接收或作出支付。将该别名与关联于其他收款人的其他先前注册的别名进行比较。如果所请求的别名尚未与另一收款人相关联，则注册与该收款人相关联的别名。
本发明的其他实施例涉及适用于实现上述方法的系统、计算机可读介质和设备。
以下将更详细地描述本发明的这些和其它实施例。
附图简述
图1示出了根据本发明一实施例的系统的框图。
图2示出了计算机中的组件的框图。
图3示出了移动电话中的组件的框图。
图4示出了例示别名注册过程的流程图。
图5示出了可在注册别名时提供的信息。
图6示出了例示根据本发明一实施例的支付方法的流程图。
详细描述
本发明的各实施例涉及使用移动电话来进行个人对个人(P2P)和/或个人对企业(P2B)支付。在本发明的各实施例中，付款人可向支付处理网络发送支付请求消息。该支付请求消息使用别名来标识期望收款人，该别名唯一地与该收款人相关联。支付处理网络然后可确定谁(即收款人)在使用登记和别名数据库，并且可将该支付请求消息转发给付款人机构。该付款人机构可以是付款人银行并且付款人可具有与该银行相关联的付款人账户。付款人机构之后可分析该支付请求消息并且可取决于付款人在其账户中是否具有足够的信用额度和/或资金来授权或不授权交易。如果付款人机构批准该支付请求，则该付款人机构之后可将资金从该付款人机构处的付款人账户转帐到收款人机构处的收款人账户。
该支付请求消息可以按任何合适的方式来从付款人的移动电话发出。在一个示例中，付款人可经由电话所访问的网页来将支付请求消息发送到支付处理网络。在另一示例中，付款人可使用SMS消息(即，文本消息)来将支付请求消息发送到支付处理网络。在又一示例中，付款人可使用电话上的软件应用程序来将支付请求消息发送到支付处理网络。
根据本发明实施例的支付交易可在任何合适的上下文中发生。例如，合适的支付交易可涉及在个人对企业或个人对个人上下文中从商家或个人购买商品和服务。然而，在本发明的某些实施例中，付款人可作出支付并且这些支付可以在没有任何返回回报(例如，所购买的商品或服务)的情况下作出。例如，支付可以是给收款人的礼物或对收款人的债务还款，其中付款人不接收对支付的立即回报。
I.系统
图1示出了可在本发明一实施例中使用的系统。本发明的实施例可使用图1所示组件中的一部分或全部。
所示系统包括付款人302以及与付款人302相关联的第一移动电话304。付款人302在付款人机构314处具有付款人账户316。类似地，该系统包括收款人306以及与收款人306相关联的第二移动电话308。收款人306在收款人机构315处具有收款人账户320。
在该示例中，付款人机构314和收款人机构315被示为单独的实体。付款人302和收款人306在本发明的其他实施例中可使用同一金融机构。
付款人机构314和收款人机构315通常是为个人或企业管理财务账户的银行。然而，它们也可以是诸如零售商店等商业实体。
付款人302和收款人306可以是能够参与金融交易(例如，支付交易)的个人或诸如企业等组织。
支付处理网络310可包括用于支持和传递授权服务、异常文件服务、以及清算和结算服务的数据处理子系统、网络和操作。示例性支付处理网络可包括VisaNetTM。诸如VisaNetTM等支付处理网络能够处理信用卡交易、借记卡交易、以及其它类型的金融交易。具体而言，VisaNetTM包括处理授权请求的VIP系统(Visa(维萨)集成支付系统)以及执行清算和结算服务的Base II系统。
支付处理网络310可包括支付服务器计算机312。“服务器计算机”通常是强大的计算机或计算机群。例如，服务器计算机可以是大型主机、小型计算机群、或作为一个单元来运作的服务器组。在一个示例中，服务器计算机可以是耦合到Web服务器的数据库服务器。服务器计算机312可形成包括因特网在内的任何合适的有线或无线网络的一部分。
移动网关332可有效地耦合到支付处理网络310并且可允许第一移动电话304和第二移动电话306与支付处理网络310进行通信。移动网关332可具体化为本领域普通技术人员已知的硬件和/或软件的任何合适的组合。
该系统还可包括付款人客户机计算机330(a)以及收款人客户机计算机330(b)。它们可经由通信介质328来与操作主站点324(例如，网站)的登记服务器计算机326进行通信。通信介质328可包括包含因特网在内的有线和/或无线网络的任何合适的组合。登记服务器计算机326可将别名存储在登记和别名数据库322中。支付处理网络310随后可使用存储在登记和别名数据库322中的信息来标识收款人302和付款人306。在其他实施例中，可存在单独的登记数据库和单独的别名数据库。
图2示出了计算机装置的典型组件或子系统。这些组件或这些组件的任何子集可存在于包括支付服务器计算机312、登记服务器计算机326、客户机计算机330(a)、330(b)等在内的图1所示的各个组件中。图2所示的子系统经由系统总线775来互连。示出了诸如打印机774、键盘778、固定磁盘779、耦合到显示适配器782的监视器776等其他子系统。耦合到输入/输出(I/O)控制器771的外围设备和I/O设备可通过诸如串行端口777等本领域内已知的任何数量的手段来连接到计算机系统。例如，串行端口777或外部接口781可用于将计算机装置连接到诸如因特网等广域网、鼠标输入设备或扫描仪。经由系统总线的互连使中央处理器773能与每一个子系统进行通信并控制来自系统存储器772或固定磁盘779的指令的执行，以及各子系统之间的信息交换。系统存储器772和/或固定磁盘779可具体化计算机可读介质。
图3示出了第一移动电话304的某些组件的框图。第一移动电话304中的部分或全部组件也可存在于第二移动电话308(图1所示)中。
电话304可包括如图3所示的计算机可读介质304(b)和主体304(h)。计算机可读介质304(b)存在于主体304(h)中，或者可与其分离。主体304(h)可以是塑料衬底、外壳或其他结构的形式。计算机可读介质304(b)可以是存储数据的存储器并且可以是包括磁条、存储器芯片在内的任何合适的形式。
计算机可读介质304(b)可包括用于执行此处所描述的功能中的任一个的代码。例如，它可包括用于使用移动电话来向支付处理网络发送支付请求消息的代码，其中该支付请求消息包括要支付的金额和别名，其中该别名与收款人相关联；用于响应于该支付请求消息来接收认证请求消息的代码，其中该认证请求消息经由该移动电话来接收；以及用于响应于该认证请求消息来发送认证令牌的代码。
电话304还可包括非接触式元件304(g)，其通常以具有诸如天线等相关联的无线传输(例如，数据传输)元件的半导体芯片(或其他数据存储元件)的形式实现。非接触式元件304(g)与便携式消费设备304相关联(例如，嵌在其中)并且经由蜂窝网络发送的数据或控制指令可通过非接触式元件接口(未示出)来应用于非接触式元件304(g)。该非接触式元件接口用于准许在移动设备电路(并因此蜂窝网络)和可任选的非接触式元件304(g)之间交换数据和/或控制指令。
非接触式元件304(g)通常能够根据标准化协议或数据传输机制(例如，ISO14443/近场通信(“NFC”))使用NFC能力(或近场通信机制)来传输和接收数据。近场通信能力是短程通信能力，诸如RFID、蓝牙TM、红外线或可用于在电话304与支付处理网络26或接入设备(例如，POS终端)之间交换数据的其他数据传输能力等。由此，电话304能够经由蜂窝网络和近场通信能力两者来传送和传输数据和/或控制指令。
电话304还可包括处理器304(c)(例如，微处理器)，其用于处理电话304和显示器304(d)的功能以使收款人能看见电话号码以及其他信息和消息。电话304还可包括：输入元件304(e)，其用于使收款人能将信息输入到设备中；扬声器304(f)，其用于使收款人能听见语音通信、音乐等；以及话筒304(i)，其用于使收款人能通过电话304来传送她的话音。电话304还可包括用于无线数据传送(例如，数据传输)的天线304(a)。
II.登记方法
在本发明的各实施例中，付款人和收款人可首先在系统中登记。收款人和付款人可以按任何合适的方式来登记。例如，参考图1，收款人和付款人可使用客户机计算机330(a)、330(b)经由主站点324来在该系统中登记。诸如姓名、账号等登记信息可由服务器计算机326存储在登记和别名数据库322中。该信息可在随后的支付过程中用于标识付款人302或收款人306。
在某些情况下，诸如收款人机构315或付款人机构314等金融机构可将预登记数据“推送”到登记和别名数据库322。例如，付款人机构314可提前确认付款人302。付款人机构314可提前这样做是因为它知道付款人302以及该付款人的信用历史和账户余额信息。在付款人302在系统中登记之后，该付款人302可设置适当的别名以使用该系统。对于收款人306亦是如此。因此，在某些实施例中，付款人302无需做任何事来登记并且只需设置她的支付别名。
在本发明的实施例中，可使用多个别名。别名可包括对应于操作支付处理网络的支付处理组织的支付处理组织别名、与收款人和收款人的电话相关联的收款人别名以及与付款人和付款人的电话相关联的付款人别名。付款人和收款人别名的示例包括“worldtraveler(环游世界者)”和“beachbum(海滩游民)”。服务别名的示例可以是对应于诸如Visa等支付处理组织的“myvisa(我的visa)”。
可注册的其他别名包括便携式消费设备别名(支付卡别名)。例如，付款人302可具有第一和第二信用卡并且它们可具有别名CC1和CC2。这些便携式消费设备别名可以与其持有人唯一地相关联或不与之唯一地相关联。
参考图1和4，在第一步骤202，收款人306请求分配别名。在较佳的实施例中，收款人306可指定特定别名。然而，在其他实施例中，支付处理组织可向收款人306分配别名。为了注册别名，收款人306可使用客户机计算机330(b)来联系服务器计算机326上的主站点324。主站点324可包括用于允许付款人302和收款人306输入信息的向导或其他机制。
在下一步骤204，服务器计算机326检查登记和别名数据库322以查看所请求的别名是否已被另一收款人或付款人使用。如果所请求的别名已经存在，则可要求收款人306提供另一别名(步骤212)。另选地或另外地，别名注册请求可在所提出的别名是冒犯性的或者是第三方商标或服务标记的情况下拒绝该别名。
如果该别名在先前尚未被注册，则服务器计算机326可为收款人注册所请求的别名208。该信息可被存储在登记和别名数据库322中。一旦已经为收款人306注册该别名，支付处理组织就可开始允许该收款人接收使用该别名来作出的支付(步骤210)。
该方法和本发明的其他相关实施例通过经由别名来唯一地标识个人、企业等来使得能够作出高效的机构间支付。别名可在需要时与由个人或实体操作的许多账户或服务相关联。在某些实施例中，可付费注册这些各种别名，并且可为使用特定别名向消费者收取注册和续订费用。其他实施例可将登记和别名数据库作为免费服务来提供，或仅向某些种类的实体收费(例如，仅向收款人或盈利性公司收费)。
III.支付方法
图6示出了例示根据本发明一实施例的支付方法的流程图。在第一步骤102，付款人302决定使用第一移动电话304来向收款人306支付。
付款人302然后使用该第一移动电话304并向支付处理网络310发送支付请求消息，并且该支付处理网络310接收该支付请求消息(步骤104)。该支付请求消息包括至少支付金额和收款人别名。该支付请求消息还可包括其他信息，诸如标识将要从中作出支付的特定财务帐户或将要发起支付的将来时间的别名或数字等。
如上所述，支付请求消息可采取各种不同的形式。例如，支付请求消息可以是SMS消息的形式。该请求也能够以电子邮件或具有IVR单元的语音交互的形式出现。该请求还可经由发送包含请求数据的一个或多个网络分组的电话上的软件应用程序来作出。
在下一步骤106，通过使用登记和别名数据库322，支付处理网络310中的服务器计算机312分析支付请求消息并使用该支付请求消息中的收款人别名来标识收款人306，以及还有付款人机构314和付款人账户316。
为了向系统提供安全性，将可任选的认证请求消息从支付处理网络发送到由付款人108操作的第一移动电话304。该认证请求消息可由付款人机构314或与支付处理网络310相关的支付处理组织来发起。该消息可要求输入口令或诸如地址或社会保险号等个人信息以验证付款人的身份108。如以上针对支付请求消息104所描述的，该认证请求消息可采用各种形式。在较佳的实施例中，认证请求消息将被发送到付款人的移动电话304。该消息还可被发送到付款人的客户机计算机330(a)。
在下一步骤110，付款人302向支付处理网络310提供认证令牌。例如，付款人302可将PIN(个人识别号)输入到第一移动电话304中并且然后可该认证令牌发回到支付处理网络310，并且支付处理网络310可将该认证令牌转发到付款人机构314或不将其转发。认证令牌的其他示例包括口令、出生日期以及与付款人302相关联的其他个人信息。
支付处理网络310(或付款人机构314)然后验证认证令牌112。如果该认证令牌是无效的，则可拒绝该支付请求消息中的支付请求。或者，支付处理网络310可通过经由第一移动电话304向付款人302发送另一认证请求消息来重新验证认证令牌(步骤120)。
如果付款人302和/或第一移动电话304得到认证，则支付处理网络310可将支付请求消息发送到付款人机构314以供批准。可重新形成支付请求消息以便移除各种别名，并且该支付请求消息可在需要时包括真实信息。如果付款人账户316中有足够的资金和/或信用额度，则付款人机构314然后可批准该支付请求，或者如果没有足够的资金或信用额度，则不批准该支付请求。如果该支付请求得到批准，则某一时刻(例如，立即或在需要进行清算和结算的情况下的一天结束时)，可经由支付处理网络310来将实际资金从付款人账户316转帐到收款人账户320。
一旦资金已从付款人账户316转帐到收款人账户320，则可在付款人机构314批准该支付请求消息中的支付请求后将支付通知消息发送到由收款人操作的移动电话308和/或客户机计算机330(b)118。
在一具体示例中，诸如Jane(珍妮)等付款人302和诸如John等收款人306使用其客户机计算机330(a)、330(b)来在在远程服务器计算机326上运行的主站点324上注册。
如图5所示，Jane注册个人信息502，包括她的姓名、移动电话号码、第一信用卡账号、第二信用卡账号和个人别名。John(约翰)可类似地注册他的个人信息504。在该示例中，Jane创建个人别名“worldtraveler”，而John创建个人别名“beachbum”。
在注册后，支付处理组织可向John和Jane两人提供将便于进一步支付处理的服务的电话号码。在其他实施例中，支付处理组织可向John和Jane提供服务别名作为对服务电话号码的替换或补充。例如，支付处理组织可向John和Jane提供服务别名“myvisa”，而不是向John和Jane提供服务电话号码555-555-5555。服务别名在某些情况下也可被称为“短码”，并且可包括可变长度的字符串。
在示例性交易中，Jane可以是付款人302并想要向名为John的收款人306支付$15.00。收款人Jane 302通过将支付请求消息“myvisa支付给beachbum$15.00”输入她的电话304，并经由移动网关332来将该消息经由SMS发送到支付处理网络310中的服务器计算机312来发起向John的支付。使用别名“beachbum”而不是John的电话号码。使用服务别名“myvisa”而不是该服务的电话号码。
Jane也可使用诸如“CC2”等便携式消费设备别名来指示Jane想要用来向John支付的特定信用卡。例如，收款人Jane 302可将支付请求消息“myvisa支付给beachbum$15.00CC2”输入她的电话304以指示将使用她的第二信用卡来作出预期支付。Jane可另选地或另外地指定默认信用卡账号。
在将支付请求消息“myvisa支付给beachbum$15.00CC2”输入她的移动电话304之后，该支付请求消息从她的电话304被发送到支付处理网络310(例如，如上所述)，并且然后(在该示例中)被发送到该信用卡(或其他便携式消费设备)的发行方。在该示例中，该信用卡的发行方可以是付款人机构314。
支付处理网络310可接收该支付请求消息并且然后可任选地通过向付款人302发送认证请求消息来响应。在该示例中，认证请求消息以呼叫的形式从电信服务器等处的交互式语音响应单元(IVR)发出，该认证请求消息要求付款人Jane 302输入她的移动电话PIN(个人识别号)510。在付款人Jane 302将正确的PIN输入她的电话304之后，付款人机构314和/或支付处理网络310中的服务器计算机312然后可分析该支付请求消息并可批准或拒绝该支付请求消息。如果该支付请求得到批准，则可将适当的资金转帐到收款人机构315处的收款人账户320。例如，John的银行(例如，收款人机构315)处的收款人John的便携式消费设备账户(例如，信用卡账户)可被认为是支付账户。付款人Jane的账户316随后可向该支付账户进行支付。
在某些实施例中，SMS、电子邮件或某种其他类型的消息形式的支付通知消息可被发送到收款人的移动电话308，以便向收款人John 306告知收款人John 302已作出支付。在较佳的实施例中，支付通知消息可被发送到收款人John的移动电话308，但该消息可被发送到由收款人John 306操作的客户机计算机330(b)。
本发明的各实施例具有多个优点。第一，使用别名使得能够在使交易方的个人信息保持机密的同时完成交易。这是有用的，因为例如，付款人可能不想向收款人公开他或她的电话号码，反之亦然。第二，别名使得即使收款人的电话号码或财务账户改变也能够进行支付。付款人由此可存储该付款人经常与其贸易的收款人的别名的列表，并且可发起重复支付而不必验证收款人的电话号码是相同的。第三，别名往往比电话号码或者财务账号要容易记住得多。因此，本发明的各实施例将会比其他方法更容易使用。第四，本发明的各实施例使得能够从单个移动电话访问许多账户，从而消除了携带大量便携式消费设备的需求。
上述方法中的任一种或这些方法中的步骤都可被实现为由服务器计算机的处理器或设备的任何其他合适的组合通过使用诸如，例如比如使用常规的或面向对象的技术的Java、C++或Perl等任何合适的计算机语言来执行的软件代码。软件代码可作为一系列指令或命令来存储在诸如随机存取存储器(RAM)、只读存储器(ROM)、诸如硬盘或软盘等磁性介质、或诸如CD-ROM等光学介质等计算机可读介质上。
应当理解，本发明能够使用软件、硬件或其组合以控制逻辑的形式、以模块化或集成的方式来实现。基于本文提供的公开和示教，本领域普技术人员会意识到其它方式和/或方法来实现本发明。
上述实施例中的任一个和/或其任何特征可与任何其他一个或多个实施例和/或一个或多个特征组合而不背离本发明的范围。
以上说明书是说明性的而非限制性的。本发明的许多变体对本领域的技术人员在审阅本公开后是显而易见的。因此，本发明的范围不应参考以上描述来确定，而是应当参考所附权利要求以及其全部范围或等效方案来确定。
对“一”、“一个”或“该”的叙述旨在表示“一个或多个”，除非特别地有相反指示。

Claims (24)

1.一种方法，包括：
从由付款人操作的移动电话接收支付请求消息，其中所述支付请求消息包括支付给收款人预定金额的请求，并且其中所述支付请求消息包括与所述收款人相关联的个人别名以及交易额；
分析所述支付请求消息以确定所述付款人是否被授权向所述收款人支付；以及
将支付通知消息发送给所述收款人以指示所述付款人已经向所述收款人作出支付。
2.如权利要求1所述的方法，其特征在于，还包括：
将认证请求消息发送给所述付款人，其中所述认证请求消息包括要求所述付款人输入PIN的消息；以及
接收所述PIN。
3.一种包括用于执行如权利要求1所述的方法的代码的计算机可读介质。
4.一种包括如权利要求3所述的计算机可读介质的服务器计算机。
5.一种包括如权利要求4所述的服务器计算机和移动电话的系统。
6.一种方法，包括：
从付款人处接收支付请求消息，所述支付请求消息包括要支付给收款人的金额以及与所述收款人相关联的别名，其中所述支付请求消息由所述付款人通过由该所述付款人操作的移动电话来发送；
响应于所述支付请求消息来将认证请求消息发送到所述移动电话，其中所述认证请求消息被发送到所述移动电话；
响应于发送所述认证请求消息来从所述付款人接收认证令牌，其中所述认证令牌由所述付款人通过使用所述移动电话来发送；
验证所述认证令牌与所述付款人相关联；以及
如果所述认证令牌被验证为与所述付款人相关联，则发起所述金额向使用所述别名的所述收款人的支付。
7.如权利要求6所述的方法，其特征在于，所述移动电话是第一移动电话，并且其中所述方法还包括：
将所述支付的电子通知发送到由所述收款人操作的第二移动电话。
8.如权利要求6所述的方法，其特征在于，所述支付请求消息是文本消息的形式。
9.如权利要求6所述的方法，其特征在于，所述支付请求消息是电子邮件的形式。
10.如权利要求6所述的方法，其特征在于，所述支付请求消息包括支付卡别名。
11.如权利要求6所述的方法，其特征在于，所述认证请求消息包括由电子交互式语音响应单元作出的电话呼叫。
12.如权利要求6所述的方法，其特征在于，所述认证令牌包括口令。
13.如权利要求6所述的方法，其特征在于，所述认证令牌包括与所述收款人相关联的个人信息片段。
14.一种方法，包括：
从收款人处接收创建唯一地与所述收款人相关联的别名的注册请求，其中所述请求指定所请求的别名，并且其中所述收款人操作移动电话并可使用所述别名和移动电话来接收或作出支付；
将所述别名与关联于其他收款人的其他先前注册的别名进行比较；以及
如果所请求的别名尚未与另一收款人相关联，则对于所述收款人注册所述别名。
15.一种被配置成执行如权利要求14所述的方法的服务器计算机。
16.一种方法，包括：
使用移动电话来将支付请求消息发送到支付处理网络，其中所述支付请求消息包括要支付的金额和别名，其中所述别名与收款人相关联；
响应于所述支付请求消息来接收认证请求消息，其中所述认证请求消息经由所述移动电话来接收；以及
响应于所述认证请求消息来发送认证令牌。
17.如权利要求16所述的方法，其特征在于，所述支付请求消息是文本消息的形式。
18.如权利要求16所述的方法，其特征在于，所述支付请求消息是电子邮件的形式。
19.如权利要求16所述的方法，其特征在于，所述支付请求消息包括支付卡别名。
20.如权利要求16所述的方法，其特征在于，所述认证请求消息包括由电子交互式语音响应单元作出的电话呼叫。
21.如权利要求16所述的方法，其特征在于，所述认证令牌包括口令。
22.如权利要求16所述的方法，其特征在于，所述认证令牌包括与消费者相关联的个人信息片段。
23.一种包括用于执行如权利要求16所述的方法的代码的计算机可读介质。
24.一种包括如权利要求23所述的计算机可读介质的电话。
CN200780050814A 2006-12-26 2007-12-20 使用别名的移动支付系统和方法 Pending CN101647040A (zh)

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CA2673986A1 (en) 2008-07-10

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