CN101071492A - Mobile phone fee payment method and system based on mobile phone bank - Google Patents

Abstract

This invention provides a method and system comprising the steps of a mobile phone-based mobile banking payment, which include: storing telephone number who pay phones and bank card data in the phone banks above; storing the data of shroff in the phone banks; people pay phone to phone banks sending SMS request; and the respond of the phone bank to the request and send a phone text message of payment confirmation; toll on the phone who stated toll confirmed receiving messages, referred to the pay phone bank were sent bank card contains data confirmed restore SMS; above mentioned phone banks to return the confirmation messages for receiving, and payment described in the data bank card check, check successful, it will pay the amount from the bank card payment transfers were charging people to account. To address the on-line micro-payment problems, provide a safe, low-cost means of online payment.

Description

Mobile phone payment method and system based on mobile phone bank

Technical Field

The invention relates to a mobile communication technology, in particular to application of the mobile communication technology in a mobile phone bank, and specifically relates to a mobile phone payment method and a mobile phone payment system based on the mobile phone bank.

Background

With the rapid development of financial business, various fees to be paid in life of people are generally paid by bank agents. The payment is carried out through the bank, so that various fees can be paid at one time, and various troubles of paying by cash are avoided by paying in a bank transfer mode. At present, payment is mainly carried out on a bank counter or through an online bank by a bank agent. The user needs to spend a lot of time when the user transacts the bank counter to pay, and the user often has no time to pay the bank due to the work. The payment is made through the internet bank, so that great convenience is really brought to the user, but the payment can not be made through the internet payment because the internet can only be used in a place with a network when the user does not have internet surfing conditions, is inconvenient to surf the internet or can not surf the internet.

On the other hand, because the internet is a public technology and is easy to attack, various technologies must be adopted to ensure safety in the online payment process, such as the safety isolation of a bank end, the encryption of a safety channel between a client and a server, the protection of viruses and trojans of the client and the like. In the aspect of customer authentication, a widely used static password authentication mode is increasingly unsafe, and the phenomenon that the customer funds are stolen is frequent. In order to improve the security of online payment, the current security products provided by online banking to customers are digital certificates (such as smart cards, USB keys), dynamic cipherers, and the like, but these devices are expensive, and for non-high-end customers of the bank (i.e. users who do not pay frequently using online banking or who pay a small amount of money), it is expensive to purchase the digital certificates or dynamic cipherer devices of the bank, or the security cost is too high. Therefore, a safe and low-cost online payment means with small payment is urgently needed to be provided for non-high-end customers.

Disclosure of Invention

The invention provides a mobile phone payment method and a mobile phone payment system based on a mobile phone bank, which are used for solving the problem of online small payment and providing a safe and low-cost online payment means.

The technical scheme of the invention is as follows:

a mobile phone payment method based on a mobile phone bank comprises the following steps: storing the mobile phone number and the bank card data of the payer in the mobile phone bank; storing the information of the payee in the mobile phone bank; a payer mobile phone sends a payment request short message to a mobile phone bank; the mobile phone bank processes the received payment request short message and sends a payment confirmation short message to a mobile phone of a payer; the payer mobile phone receives the payment confirmation short message and sends a confirmation reply short message containing the data of the payer bank card to the mobile phone bank; and the mobile phone bank receives the confirmation reply short message, checks the bank card data of the payer, and transfers the payment amount from the bank card of the payer to the account of the payer after the check is successful.

A mobile phone payment system based on mobile phone banking, the system comprising: the system comprises a mobile phone, a mobile phone bank platform and a payee service platform; the said mobile phone is connected with the said mobile phone bank platform through the wireless network, the said person of charging business platform is connected with the said mobile phone bank platform through the private network; the mobile phone bank platform stores a payer mobile phone number, payer bank card data and payee information; the mobile phone sends a payment request short message to the mobile banking platform; the mobile banking platform processes the received payment request short message and sends a payment confirmation short message to the mobile phone; the mobile phone receives the payment confirmation short message and sends a confirmation reply short message containing the data of the user bank card to the mobile phone bank platform; and the mobile banking platform receives the confirmation reply short message, checks the data of the bank card of the payer, and transfers the payment amount from the bank card of the payer to the account of the payer after the data of the bank card of the payer is successfully checked.

The invention overcomes the defects in the prior bank agent payment mode and provides a safe and convenient bank agent payment means. The invention has the following main effects and advantages: 1) the bank agent payment is carried out through the mobile phone, the popularization degree of the current mobile phone is quite high, the mobile phone can be carried about and used at any time, the payment by using the mobile phone is more convenient than the payment by using the Internet, and the bank agent payment has great value particularly in the aspect of small payment. Such as: the user can use the mobile phone to pay water fee and telephone fee, can charge value for the mobile phone, charge value for the shopping card of a shopping mall and the like. For example: when a user purchases in a shopping mall, the user can pay money to transfer to a shopping card of the shopping mall through the mobile phone when selecting commodities or queuing, and the user can pay by using the shopping card when buying a bill. 2) The mobile phone short message is not encrypted in the transmission process, so that certain safety problem exists. According to the invention, the mobile phone number is registered, and the payment bank account is bound with the mobile phone number, so that the payment safety is greatly improved, and the safety requirement of small-amount agent payment can be met.

Drawings

Fig. 1 is a block diagram of a system architecture of an embodiment of the present invention.

Fig. 2 is a system connection diagram according to an embodiment of the present invention.

Fig. 3 is a block diagram of a mobile banking platform according to an embodiment of the present invention.

Fig. 4 is a block diagram of a data storage unit in a mobile banking platform according to an embodiment of the present invention.

Fig. 5 is a block diagram of a data processing unit in a mobile banking platform according to an embodiment of the present invention.

Fig. 6 is a flow chart of a method of an embodiment of the invention.

Detailed Description

The embodiment of the invention provides a mobile small amount agent payment system, and provides a safe and convenient mobile payment and payment method. The user registers in the bank to activate the mobile phone agent payment service first, when needing to pay, the user edits the payment short message (containing the payment instruction) by using the mobile phone and sends the payment short message to the mobile phone bank of the bank, the mobile phone bank analyzes the user short message, checks whether the mobile phone number registers the mobile phone banking service, if so, searches the relevant description of the payment instruction sent by the user and sends the description to the mobile phone of the user by the short message. The user checks whether the information is correct, replies to the mobile phone bank within the set time, replies to the mobile phone bank with the payment password if the user confirms payment, and replies to the mobile phone bank with a cancellation command or does not reply if the user wants to cancel the payment. If the mobile phone bank does not receive the reply of the user within the specified time or receives the canceling instruction of the user, the payment processing is stopped. If the payment password of the user is received, the received password is compared with the mobile phone bank password reserved by the user, and if the password is correct, payment accounting processing is carried out to complete the payment process.

The system as shown in FIG. 1 comprises: the system comprises a mobile phone, a mobile phone bank platform and a payee service platform; the said mobile phone is connected with the said mobile phone bank platform through the wireless network, the said person of charging business platform is connected with the said mobile phone bank platform through the private network; the mobile phone bank platform stores a payer mobile phone number, payer bank card data and payee information; the mobile phone sends a payment request short message to the mobile banking platform; the mobile banking platform processes the received payment request short message and sends a payment confirmation short message to the mobile phone; the mobile phone receives the payment confirmation short message and sends a confirmation reply short message containing the data of the user bank card to the mobile phone bank platform; and the mobile banking platform receives the confirmation reply short message, checks the data of the bank card of the payer, and transfers the payment amount from the bank card of the payer to the account of the payer after the data of the bank card of the payer is successfully checked.

In the embodiment shown in fig. 2: the mobile small amount agent payment system structure chart comprises a mobile phone banking system 2 as a mobile phone banking platform, a charging unit system 3 as a payee service platform, a short message network 4 and a mobile phone terminal 1. The mobile banking system 2 provides an information processing system for transacting business for a user through mobile phone short messages for the bank, and different payment instructions are set for different payment types in the mobile banking system, for example, telephone fee is DHF, mobile phone fee is SJF, water fee is SF, and the like. The charging unit system 3 is an information system of a entrusted bank agent charging unit, and is generally a small-amount agent payment income party, such as a telecom operator, a power supply office, a water company, a supermarket and the like. Is characterized in that: the charging unit (the proxied unit) provides a number for identifying the commodity of the user as a keyword for proxy payment so that the charging unit can judge who the payment user is, for example, when the telecommunication charge proxy pays, the telephone number or the mobile phone number can be used as the keyword for proxy payment so that the telecommunication company can judge who the telephone user is. The tap water company can use the user card number as the proxy payment key, the department store can use the shopping card number as the proxy payment key, and so on. The mobile phone terminal 1 is generally a common mobile phone capable of receiving and sending short messages, and may also be other devices capable of receiving and sending short messages. The short message network 4 is a short message communication network provided by a wireless communication operator, such as a communication on-line communication of a communication company, a mobile network short message network of a mobile company, and the like.

Fig. 3 is a diagram of a mobile banking system, which includes adata storage device 11, adata processing device 12 and a short message sending and receivingdevice 13. Thedata storage device 11 stores data information of the mobile phone bank, and may be a database management system, a file system, or other data storage units with the same function. Thedata processing device 12 is a processing device that provides mobile banking services. Theshort message transceiver 13 is a short message gateway, and is a commercial product program responsible for the short message transceiving processing. The short message receiving and sendingdevice 13 is connected to the short message network, and can be connected to the wireless communication operator through a private line network, and exchanges data with the short message processing platform system of the wireless communication operator by using a TCP/IP communication protocol. Thedata processing device 12 and the short message transmitting/receivingdevice 13 may be connected by means of Api (application data interface) call, TCP/IP communication protocol, or the like.

Fig. 4 shows a structure diagram of a data storage device, which includes a built-in accountinformation storage unit 21, a mobile banking registrationinformation storage unit 22, and an agent payment serviceinformation storage unit 23. The built-inaccount unit 21 stores account information of a user, which at least includes an account number, a username, an account password, a currency, and a balance. The mobile banking registrationinformation storage unit 22 stores information of a mobile banking registered by a user, and at least includes an account number, a mobile banking password, and a mobile phone number. The mobile banking password is a password used separately in a mobile banking channel, and is different from a password used on a counter, the counter password is a password used when a user goes to a bank counter or transacts business through an ATM (automatic teller machine), and the mobile banking password is a password used when the user transacts business through a mobile banking system. The agent payment serviceinformation storage unit 23 stores agent payment service information, which at least includes a service code, a service name, an instruction code, a charging unit number, a charging unit name, an agent payment keyword, a payment amount, and the like, wherein the agent payment keyword may be a telephone number, a user card number, a shopping card number of a department store, and the like, and is an identification of a payment user, which is used by a charging enterprise to determine which user pays a fee.

Fig. 5 shows a structure diagram of a data processing apparatus, which includes a main processing unit 30, a user registration processing unit 31, a user authentication processing unit 32, a short message analyzing unit 33, a short message generating unit 34, a payment accounting processing unit 35, and a charging unit notifying unit 36.

The main processing unit 30 is a main control unit in thedata processing apparatus 11 and is responsible for coordinating the units in thedata processing apparatus 11 to work together. When a user registers in a mobile phone bank at a bank counter, the main processing unit 30 calls the user registration processing unit 31, stores the information of the mobile phone bank registered by the user in the mobile phone bank registrationinformation storage unit 22, calls the short message generating unit 34 to generate a registration prompt short message, and sends the registration prompt short message to the mobile phone terminal 1 through the short message receiving and sendingdevice 13. When receiving the payment short message sent by the mobile phone terminal 1, the short message sending and receivingdevice 13 forwards the payment short message to thedata processing device 12 for processing. The main processing unit 30 calls the short message parsing unit 33 to perform parsing processing, then calls the user authentication processing unit 32 to check whether the user registers in the mobile phone bank, and then calls the short message generating unit 34 to generate a prompt short message to be confirmed, which is sent to the user, and the prompt short message is sent to the mobile phone terminal 1 through the short message receiving and sendingdevice 13. After receiving the user confirmation short message, the main processing unit 30 calls the short message analyzing unit 33 to analyze, then calls the user authentication processing unit 32 to check whether the password is correct, then calls the payment account processing unit 35 to perform payment account processing, then calls the charging unit notification unit 36 to send the user payment information to the charging unit system 3, and finally calls the short message generating unit 34 to generate a payment result short message, which is sent to the mobile phone terminal 1 through theshort message transceiver 13.

The user registration processing unit 31 is responsible for receiving a user registration request and completing mobile banking registration processing. The user registers in the bank counter by the mobile phone bank, registers a medium bank card or a current account, and binds a mobile phone number, wherein the bank card or the current account is used as an account number for the services of later payment, account transfer, payment and the like of the user by using the mobile phone bank. The registration information is input by a bank teller, and the registration information at least comprises an account number (a bank card number or a current account number), a mobile phone number and a mobile phone bank password. The mobile banking password is a password used separately in a mobile banking channel, and is different from a password used on a counter, the counter password is a password used when a user goes to a bank counter or transacts business through an ATM (automatic teller machine), and the mobile banking password is a password used when the user transacts business through a mobile banking system. The user registration processing unit 31 stores the information of the user registered mobile phone bank in the mobile phone bank registrationinformation storage unit 22 by accessing the mobile phone bank registrationinformation storage unit 22 in thedata storage 11.

The user authentication processing unit 32 is responsible for authenticating the user, checking whether the user registers in the mobile phone bank, and checking whether the password input by the user during payment is consistent with the password of the mobile phone bank. When checking whether the user registers the mobile banking, the user authentication processing unit 32 inquires whether the mobile banking service is registered by accessing the mobile banking registrationinformation storage unit 22 in thedata storage device 11 according to the mobile phone number of the payment short message. When checking the password input by the user during payment, the user authentication processing unit 32 accesses the mobile phone bank registrationinformation storage unit 22 in thedata storage device 11 to obtain the password reserved when the user registers the mobile phone bank, and compares the password with the password sent by the mobile phone terminal 1.

The short message receiving and analyzing unit 33 is responsible for receiving the short messages such as payment and confirmation sent by the mobile phone terminal 1 from the short message receiving and sendingdevice 13, checking whether the format of the short messages is correct, analyzing the content of the short messages, and analyzing information such as payment instructions, payment keywords, payment amount, passwords and the like.

The short message generating unit 34 generates various short messages such as a mobile banking registration result short message, a payment pending confirmation prompt short message, a payment result short message and the like, which are sent to the mobile phone terminal 1 according to the content of the short message (such as a payment description, a payment amount, a payment result and the like).

And the payment accounting processing unit 35 is responsible for the payment transfer processing. The payment account processing unit 35 accesses the accountinformation storage unit 21 according to the payment amount, deducts the payment amount from the account of the user registered mobile phone bank, increases the account balance of the charging unit by the payment amount, accesses the proxy payment serviceinformation storage unit 23, registers the payment processing in the proxy payment serviceinformation storage unit 23, and the registration information at least comprises a service code, a service name, an instruction code, a charging unit number, a charging unit name, a proxy payment keyword, the payment amount and the like.

The charging unit notification unit 36 is responsible for notifying the user payment information to the charging unit system 3 so that the charging unit system 3 can perform corresponding payment processing. The payment information sent to the charging unit at least comprises payment keywords and payment amount. For example: when the user pays the telephone fee, the information sent to the charging unit system 3 includes the telephone number and the amount of the fee.

Fig. 6 shows a mobile small amount agent payment method, which includes the following steps:

step 100: the user registers in the bank counter by the mobile phone bank, registers a medium bank card or a current account, and binds a mobile phone number, wherein the bank card or the current account is used as an account number for the services of later payment, account transfer, payment and the like of the user by using the mobile phone bank. The registration information is input by a bank teller, and the registration information at least comprises an account number (a bank card number or a current account number), a mobile phone number and a mobile phone bank password. The mobile banking password is a password used separately in a mobile banking channel, and is different from a password used on a counter, the counter password is a password used when a user goes to a bank counter or transacts business through an ATM (automatic teller machine), and the mobile banking password is a password used when the user transacts business through a mobile banking system. The user registration processing unit 31 in the mobile banking system 2 stores the information of the user registered mobile phone bank in the mobile phone bank registrationinformation storage unit 22 by accessing the mobile phone bank registrationinformation storage unit 22 in thedata storage 11.

When registering a mobile phone bank, a bank teller needs to check a user identity document, the user presents an identity document original (a resident identity card, a military officer certificate and the like), and the bank teller checks whether the identity document is consistent with identity document information reserved by the bank card or the current deposit book during account opening.

Step 101: the mobile banking system 2 sends the mobile banking result information registered by the user to the mobile phone of the user in a short message form. The main processing unit 30 in the mobile banking system 2 calls the short message generating unit 34 to generate a registration prompt short message, where the content of the short message may be, for example: "you have successfully registered the mobile banking number is XXXX, and when using the mobile banking, please send a short message containing a payment or payment instruction to the mobile banking number. And XX bank. The specific content of the registration result prompt short message can be determined according to specific requirements. The main processing unit 30 sends the generated prompt short message through the short message sending and receivingdevice 13, and the short message sending and receivingdevice 13 sends the short message to the mobile phone terminal 1 used by the user through the short message network.

Step 102: the mobile phone terminal 1 receives the registration result prompt short message and displays the content of the prompt short message on the display screen of the mobile phone terminal 1.

Step 103: when a user needs to use a mobile phone bank to pay, the user uses the mobile phone terminal 1 to edit a payment short message, and the payment short message at least comprises the following contents: payment instruction, payment keyword and payment amount. The payment instruction is used for indicating the payment category, such as telephone fee of a telecom operator, water fee of a tap water company and the like. For example, the telephone fee is DHF, the mobile phone fee is SJF, and the water fee is SF. The payment keywords are used for identifying payment users so that a charging unit can judge who the payment users are. For example: when the telecommunication charge agent pays, the telephone number or the mobile phone number can be used as an agent payment key word, the tap water company can use the user card number as the agent payment key word, and the department store company can use the shopping card number as the agent payment key word, etc. The payment amount is the amount of the fee the user needs to pay. The mobile phone terminal 1 sends the payment short message to the service number of the mobile banking system through the short message network 4.

Step 104: the short message receiving and sendingdevice 13 in the mobile banking system 2 receives the payment short message sent by the mobile terminal 1 and transfers the payment short message to thedata processing device 12 for processing. The main processing unit 30 in thedata processing device 12 calls the short message parsing unit 33 to perform parsing processing. The short message analyzing unit 33 checks the format of the short message, analyzes the content of the short message, and determines the payment type of the user according to the payment instruction in the short message, such as the telephone fee of a telecom operator, the water fee of a water supply company, and the like.

Step 105: the main processing unit 30 invokes the user authentication processing unit 32 to check whether the user registers the mobile banking. The user authentication processing unit 32 inquires whether the mobile phone number has registered for the mobile banking service by accessing the mobile banking registrationinformation storage unit 22 in thedata storage device 11 according to the mobile phone number of the payment short message. If the mobile phone number is not registered for the mobile banking service, the payment processing is terminated. If the mobile phone number has registered the mobile banking service, the payment processing is continued.

Step 106: the main processing unit 30 calls the short message generating unit 34 to generate a prompt short message to be confirmed, which is sent to the user. The prompt short message to be confirmed at least comprises the explanation of the user payment, the payment keyword and the payment amount. For example, the content of the prompt short message to be confirmed is: "the fee you are ready to pay is the telephone fee (fee description) of the telecommunication company, the telephone number of the payment is xxxxxxx (keyword), the payment amount is: xxxx (amount of payment). If the payment is confirmed, the mobile phone bank password is replied. Qx "is replied if the payment is to be terminated. The main processing unit 30 sends the generated prompt short message to be confirmed through the short message receiving and sendingdevice 13, and the short message receiving and sendingdevice 13 sends the short message to the mobile phone terminal 1 used by the user through the short message network.

Step 107: the mobile phone terminal 1 receives the prompt short message to be confirmed and displays the content of the short message on the display screen of the mobile phone terminal 1.

Step 108: the user confirms the payment information, and inputs confirmation information (mobile phone bank password or payment canceling instruction) through the mobile phone terminal 1, and the mobile phone terminal 1 sends the mobile phone bank password or payment canceling instruction to the service number of the mobile phone bank system through the short message network 4.

Step 109: the short message receiving and sendingdevice 13 in the mobile banking system 2 receives the confirmation short message sent by the mobile phone terminal 1 and transfers the confirmation short message to thedata processing device 12 for processing. The main processing unit 30 in thedata processing device 12 calls the short message parsing unit 33 to perform parsing processing. The short message parsing unit 33 first checks the format of the short message and then parses the content of the short message. And if the short message content is an instruction for canceling payment, terminating the payment processing.

Step 110: the main processing unit 30 in thedata processing apparatus 12 calls the user authentication processing unit 32 to perform password checking. The user authentication processing unit 32 accesses the mobile phone bank registrationinformation storage unit 22 in thedata storage device 11, obtains a password reserved when the user registers the mobile phone bank, and compares the password with the password transmitted from the mobile phone terminal 1. If the two are consistent, the authentication is successful, and the payment processing is continued. If not, the authentication fails, and the payment processing is terminated.

Step 111: the main processing unit 30 in thedata processing device 12 calls the payment accounting processing unit 35 to perform payment accounting processing. The payment account processing unit 35 accesses the accountinformation storage unit 21 according to the payment amount, deducts the payment amount from the account of the user registered mobile phone bank, increases the account balance of the charging unit by the payment amount, accesses the proxy payment serviceinformation storage unit 23, registers the payment processing in the proxy payment serviceinformation storage unit 23, and the registration information at least comprises a service code, a service name, an instruction code, a charging unit number, a charging unit name, a proxy payment keyword, the payment amount and the like.

Step 112: the main processing unit 30 in thedata processing apparatus 12 calls the charging unit notification unit 36 to perform notification processing. The charging unit notification unit 36 sends the user payment information to the charging unit system 3 so that the charging unit system 3 can perform corresponding processing, and the payment information sent to the charging unit at least includes payment keywords and payment amount. For example: when the user pays the telephone fee, the information sent to the charging unit system 3 includes the telephone number and the amount of the fee.

Step 113: the charging unit system 3 finds the user who pays according to the telephone number of paying, and carries out payment processing according to the amount of paying.

Step 114: and the mobile banking system 2 sends the payment result information to the mobile phone of the user in a short message form. The main processing unit 30 in thedata processing device 12 calls the short message generating unit 34 to generate a payment result short message, the main processing unit 30 sends the generated prompt short message through the short message receiving and sendingdevice 13, and the short message receiving and sendingdevice 13 sends the short message to the mobile phone terminal 1 used by the user through the short message network.

Step 115: the mobile phone terminal 1 receives the short message of the result of the payment and displays the content of the short message on the display screen of the mobile phone terminal 1.

The embodiment of the invention overcomes the defects in the prior bank agent payment mode and provides a safe and convenient bank agent payment means. The main effects and advantages are as follows:

1. the bank agent payment is carried out through the mobile phone, the popularization degree of the current mobile phone is quite high, the mobile phone can be carried about and used at any time, the payment by using the mobile phone is more convenient than the payment by using the Internet, and the bank agent payment has great value particularly in the aspect of small payment. Such as: the user can use the mobile phone to pay water fee and telephone fee, can charge value for the mobile phone, charge value for the shopping card of a shopping mall and the like. For example: when a user purchases in a shopping mall, the user can pay money to transfer to a shopping card of the shopping mall through the mobile phone when selecting commodities or queuing, and the user can pay by using the shopping card when buying a bill.

2. The mobile phone short message is not encrypted in the transmission process, so that certain safety problem exists. According to the invention, the mobile phone number is registered, and the payment bank account is bound with the mobile phone number, so that the payment safety is greatly improved, and the safety requirement of small-amount agent payment can be met.

The above examples are intended to illustrate the invention, but not to limit the invention.

Claims (10)

1. A mobile phone payment method based on a mobile phone bank is characterized by comprising the following steps:

storing the mobile phone number and the bank card data of the payer in the mobile phone bank;

storing the information of the payee in the mobile phone bank;

a payer mobile phone sends a payment request short message to a mobile phone bank;

the mobile phone bank processes the received payment request short message and sends a payment confirmation short message to a mobile phone of a payer;

the payer mobile phone receives the payment confirmation short message and sends a confirmation reply short message containing the data of the payer bank card to the mobile phone bank;

and the mobile phone bank receives the confirmation reply short message, checks the bank card data of the payer, and transfers the payment amount from the bank card of the payer to the account of the payer after the check is successful.

2. The method of claim 1, further comprising: and after transferring the payment amount from the user bank card to a payee account, the mobile phone bank sends a payment result short message to the payee mobile phone and sends payment result information to the payee.

3. The method as claimed in claim 1, wherein the user bank card data included in the confirmation reply short message is a payer bank card password.

4. The method of claim 1, wherein the payee information comprises: payment order number, business account name, merchant number, payment item, payment amount and payment currency.

5. A mobile phone payment system based on mobile phone banking is characterized by comprising: the system comprises a mobile phone, a mobile phone bank platform and a payee service platform;

the said mobile phone is connected with the said mobile phone bank platform through the wireless network, the said person of charging business platform is connected with the said mobile phone bank platform through the private network; wherein,

the mobile phone bank platform stores a payer mobile phone number, payer bank card data and payee information;

the mobile phone sends a payment request short message to the mobile banking platform;

the mobile banking platform processes the received payment request short message and sends a payment confirmation short message to the mobile phone;

the mobile phone receives the payment confirmation short message and sends a confirmation reply short message containing the data of the user bank card to the mobile phone bank platform;

and the mobile banking platform receives the confirmation reply short message, checks the data of the bank card of the payer, and transfers the payment amount from the bank card of the payer to the account of the payer after the data of the bank card of the payer is successfully checked.

6. The system of claim 5, wherein the cell banking platform further comprises: and the payment result information sending unit is used for sending a payment result short message to the mobile phone and sending payment result information to the service platform of the payee.

7. The system of claim 5, wherein the payer bank card data included in the confirmation reply short message is a payer bank card password.

8. The system of claim 5, wherein said payee information comprises: payment order number, business account name, merchant number, payment item, payment amount and payment currency.

9. The system of claim 5, wherein said cell phone banking platform comprises:

the data storage unit is used for storing the mobile phone number of the payer, the bank card data of the payer and the information of the payer;

the private network communication interface is used for sending payment result information to the service platform of the payee;

the short message receiving and sending unit is used for sending payment confirmation short messages to the mobile phone and receiving the payment request short messages and the confirmation reply short messages;

and the data processing unit is used for processing the received short message, checking the data of the bank card of the payer, and transferring the payment amount from the bank card of the payer to the account of the payer after the data is successfully checked.

10. The system as claimed in claim 5, wherein said mobile banking platform further comprises: and the payment type setting unit is used for setting a payment instruction.

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