# US 2014/0156514 A1 · Mobile Payment Method, Device and System for Server and Client

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- Number: US 2014/0156514 A1
- Document ID: US20140156514A1
- Status: Published application
- Kind: A1
- Application number: 14/130,637
- Filed: 2012-12-31
- Published: 2014-06-05
- Earliest claimed: 2011-12-31
- Assignees: Beijing Founder Electronics Co., Ltd.; Peking University Founder Group Co., Ltd.
- Applicants: Beijing Founder Electronics Co., Ltd.; Peking University Founder Group Co., Ltd.
- Inventors: Fang Liu; Yujun Gao
- Web page: https://patentgrep.com/patent/US20140156514A1

## CPC

- G06Q 20/3224: {Transactions dependent on location of M-devices}
- G06Q 20/16: Payments settled via telecommunication systems
- G06Q 20/325: {using wireless networks}
- 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

## Abstract

The present invention provides a mobile payment method, device and system for a server and a client. The mobile payment method for a server includes: receiving a payment request message sent by a client; and selecting one piece of payment channel information in a preset payment channel information set and issuing the same to the client. The payment channel information set includes a plurality of pieces of channel information, regions covered by different payment channel information do not overlap completely, and the multiple pieces of payment channel information cover all regions. The server may select different payment channel information provided by a plurality of payment providers to form a payment channel information set so that the payment server that may be provided can cover all regions, which overcomes the limitation in the prior art that a certain piece of payment channel information only covers some regions.

## Claims

### Claim 1

A mobile payment method for a server, comprising the steps of:
receiving a payment request message sent by a client; and
selecting one piece of payment channel information in a preset payment channel information set and issuing said one piece of payment channel information to the client;
wherein, the payment channel information set includes a plurality of pieces of payment channel information, regions covered by different payment channel information do not overlap completely, and the multiple pieces of payment channel information cover all regions.

### Claim 2 (depends on 1)

The method of claim 1, wherein the payment request message includes a mobile device identification which is automatically obtained by the client, and wherein, the step of selecting one piece of payment channel information in a preset payment channel information set and issuing said one piece of payment channel information to the client includes:
determining whether a user region identification associated with the mobile device identification is locally saved by the server; and
when it is determined that the user region identification associated with the mobile device identification is locally saved by the server, selecting one piece of payment channel information in the preset payment channel information set according to the user region identification associated with the mobile device identification and issuing one piece of payment channel information to the client.

### Claim 3 (depends on 2)

The method of claim 2, wherein, the step of selecting one piece of payment channel information in the preset payment channel information set according to the user region identification associated with the mobile device identification and issuing one piece of payment channel information to the client includes:
determining a region corresponding to the user region identification according to the user region identification associated with the mobile device identification;
determining all payment channel information covering the region in the payment channel information set;
among all payment channel information covering the region, selecting one piece of payment channel information with the least current usage amount to be issued to the client.

### Claim 4 (depends on 1)

The method of claim 1, wherein the payment request message includes a mobile device identification which is automatically obtained by the client, and wherein, the step of selecting one piece of payment channel information in the preset payment channel information set and issuing said one piece of payment channel information to the client includes:
determining whether a user region identification associated with the mobile device identification is locally saved by the server; and
when it is determined that the user region identification associated with the mobile device identification is not locally saved by the server, determining at least two pieces of payment channel information in the preset payment channel information set to be preferable payment channel information, and selecting one piece of the payment channel information with the least current usage amount from the preferable payment channel information to be issued to the client.

### Claim 5 (depends on 1)

The method of claim 1, further comprising, after issuing said one piece of payment channel information to the client, the steps of:
determining whether a payment by the client using the issued payment channel information is successful;
when it is determined that the payment by the server using the issued payment channel information is successful, obtaining and saving a user region identification associated with the mobile device identification, according to order information including the user region identification generated by the client.

### Claim 6 (depends on 1)

The method of claim 1, further comprising., after issuing said one piece of payment channel information to the client, the steps of:
determining whether a payment by the client using the issued payment channel information is successful;
when it is determined that the payment by the server using the issued payment channel information is not successful, notifying the client to return a user region identification, waiting for receiving the user region identification returned by the client, and upon receipt of the user region identification, re-selecting one piece of payment channel information in the preset payment channel information set according to the user region identification and issuing the re-selected one piece of payment channel information to the client.

### Claim 7 (depends on 1)

The method of claim 1, further comprising., after issuing said one piece of payment channel information to the client, the steps of:
determining whether a payment by the client using the issued payment channel information is successful;
when it is determined that the payment by the server using the issued payment channel information is successful, updating usage amount of the issued payment channel information.

### Claim 8 (depends on 1)

The method of claim 1, wherein the mobile device includes a mobile phone device, the mobile device identification includes IMEI of the mobile phone device, and the user region identification includes phone number information bounded with a SIM card.

### Claim 9

A mobile payment method for a client, including comprising the steps of:
sending a payment request message including a mobile device identification to a server when a mobile payment service is needed, wherein the mobile device identification is automatically obtained by the client;
upon receipt of a payment channel information issued by a server, making a payment by using the payment channel information,
wherein, the client does not need to issue a user region identification to the server, before completing the payment by using the payment channel information issued by the server.

### Claim 10 (depends on 9)

The method of claim 9, further including comprising the steps of:
when the payment by using the payment channel information issued by the server is not successful, waiting for notice of returning the user region identification from the server;
upon receipt of the notice, sending the user region identification to the server; and,
upon receipt of a payment channel information re-issued by the server according to the user region identification, making the payment by using the re-issued payment channel information

### Claim 11 (depends on 9)

The method of claim 9, wherein the mobile device includes a mobile phone device, the mobile device identification includes IMEI of the mobile phone device, and the user region identification includes phone number information bounded with a SIM card.

### Claim 12

A mobile payment device for a server, comprising:
a request receiving module, for receiving a payment request message sent by a client; and
a channel issuing module, for selecting one piece of payment channel information in a preset payment channel information set and issuing said one piece of payment channel information to the client,
wherein, the payment channel information set includes a plurality of pieces of channel information, regions covered by different payment channel information do not overlap completely, and the multiple pieces of payment channel information cover all regions.

### Claim 13

A mobile payment device for a client, comprising:
a request issuing module, for sending a payment request message including a mobile device identification to a server when a mobile payment service is needed; and
a payment module, for making a payment by using a payment channel information upon receipt of the payment channel information issued by a server,
wherein, before the payment module completes the payment by using the payment channel information issued by the server, the mobile payment device for a client does not need to issue a user region identification to the server.

### Claim 14

(canceled)

### Claim 15 (depends on 3)

The method of claim 3, further comprising, after issuing said one piece of payment channel information to the client, the steps of:
determining whether a payment by the client using the issued payment channel information is successful;
when it is determined that the payment by the server using the issued payment channel information is successful, obtaining and saving a user region identification associated with the mobile device identification, according to order information including the user region identification generated by the client.

### Claim 16 (depends on 4)

The method of claim 4, further comprising, after issuing said one piece of payment channel information to the client, the steps of:
determining whether a payment by the client using the issued payment channel information is successful;
when it is determined that the payment by the server using the issued payment channel information is successful, obtaining and saving a user region identification associated with the mobile device identification, according to order information including the user region identification generated by the client.

### Claim 17 (depends on 3)

The method of claim 3, further comprising, after issuing said one piece of payment channel information to the client, the steps of:
determining whether a payment by the client using the issued payment channel information is successful;
when it is determined that the payment by the server using the issued payment channel information is not successful, notifying the client to return a user region identification, waiting for receiving the user region identification returned by the client, and upon receipt of the user region identification, re-selecting one piece of payment channel information in the preset payment channel information set according to the user region identification and issuing the re-selected one piece of payment channel information to the client.

### Claim 18 (depends on 4)

The method of claim 4, further comprising, after issuing said one piece of payment channel information to the client, the steps of:
determining whether a payment by the client using the issued payment channel information is successful;
when it is determined that the payment by the server using the issued payment channel information is not successful, notifying the client to return a user region identification, waiting for receiving the user region identification returned by the client, and upon receipt of the user region identification, re-selecting one piece of payment channel information in the preset payment channel information set according to the user region identification and issuing the re-selected one piece of payment channel information to the client.

### Claim 19 (depends on 3)

The method of claim 3, further comprising, after issuing said one piece of payment channel information to the client, the steps of
determining whether a payment by the client using the issued payment channel information is successful;
when it is determined that the payment by the server using the issued payment channel information is successful, updating usage amount of the issued payment channel information.

### Claim 20 (depends on 4)

The method of claim 4, further comprising, after issuing said one piece of payment channel information to the client, the steps of:
determining whether a payment by the client using the issued payment channel information is successful;
when it is determined that the payment by the server using the issued payment channel information is successful, updating usage amount of the issued payment channel information.

### Claim 21 (depends on 3)

The method of any of claim 3, wherein the mobile device includes a mobile phone device, the mobile device identification includes IMEI of the mobile phone device, and the user region identification includes phone number information bounded with a SIM card.