Finance data processing method and mobile terminal equipment

Abstract

The invention discloses a finance data processing method, comprising that setting an intelligent card in a mobile terminal, which stores at least one finance card track information, the mobile terminal sends the finance card track information and object data to a server, the server transmits the finance card track information and object data to a relative data processing terminal which processes data and feedbacks result. The invention uses finance card track information to complete data process, provides account information, and encrypts information via hardware, to be sent as trade report. Therefore, the invention can reduce application cost, expand application of mobile payment easily, and improve finance data processing efficiency in mobile payment, without modifying prior finance data processing terminal.

Description

technical field [0001] The invention relates to the field of data processing, in particular to a financial data processing system and method in mobile payment. Background technique [0002] With the rapid development of my country's economy, the business in the financial field is also growing rapidly. While business transactions are frequent, there are a large amount of data that needs to be processed safely and quickly. Therefore, it is urgent to use mobile communication technology to process financial data, improve the work efficiency of the financial system, and enhance security. [0003] The mobile payment method can not only avoid the problem of carrying a large amount of currency with you in traditional cash settlement, but also does not need to preset corresponding equipment like POS (Point of sells) and automatic teller machines (Asynchronous Transfer Mode). Like the relatively large and complex computer network equipment required for online payment, in short, mobil...

AI Technical Summary

Problems solved by technology

If the bank directly receives the account number information for processing, it needs to carry out corresponding transformation on the bank's financial data processing terminal, and it will be quite a large and difficult project to transform the processing terminals of various banks with a wide distribution and a large number. When the credit system is not perfect, it will bring more data security problems

[0011] Secondly, in the above-mentioned processing flow, the transaction information is generally sent in the form of short message, which can realize mobile payment simply and conveniently, but the short message technology has its own insurmountable defects: because the short message It does not confirm that the connection with the receiver has been established, and it is not directly connected to the processing terminal to send the information, but forwarded by the SMS center, so it is inevitable that there will be data loss

[0012] It is precisely because of the existence of the above-mentioned defects that the application of mobile payment is greatly restricted.

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