Finance data processing method and mobile terminal equipment

A financial data and processing method technology, applied in the field of data processing, can solve the problems of mobile payment application restrictions, difficulty in processing terminal transformation, data loss, etc., and achieve the effects of simple and convenient application, reduced application cost, and improved efficiency

Active Publication Date: 2008-01-02
CHINA UNIONPAY
View PDF0 Cites 36 Cited by
  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

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

Method used

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
View more

Image

Smart Image Click on the blue labels to locate them in the text.
Viewing Examples
Smart Image
  • Finance data processing method and mobile terminal equipment
  • Finance data processing method and mobile terminal equipment
  • Finance data processing method and mobile terminal equipment

Examples

Experimental program
Comparison scheme
Effect test

Embodiment Construction

[0051] In order to make the above objects, features and advantages of the present invention more comprehensible, the present invention will be further described in detail below in conjunction with the accompanying drawings and specific embodiments.

[0052] The core idea of ​​the present invention is: in order to avoid the transformation of the existing financial data processing terminal system, the present invention sets a smart card that stores the financial card magnetic track information; The hard encryption mode encrypts the financial card magnetic track information, and preferably, the financial institution issues the financial card magnetic track information in the form of cipher text; in order to ensure the exact delivery of the financial card magnetic track information in the transmission process, the present invention adopts transaction Send financial card magnetic track information in the form of messages; in order to meet some applications of on-site payment, the pr...

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to view more

PUM

No PUM Login to view more

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...

Claims

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to view more

Application Information

Patent Timeline
no application Login to view more
IPC IPC(8): H04M11/00G06Q50/00G07F19/00H04Q7/32G06Q40/02
Inventor 戚跃民何朔盛超
Owner CHINA UNIONPAY
Who we serve
  • R&D Engineer
  • R&D Manager
  • IP Professional
Why Eureka
  • Industry Leading Data Capabilities
  • Powerful AI technology
  • Patent DNA Extraction
Social media
Try Eureka
PatSnap group products

Browse by: Latest US Patents, China's latest patents, Technical Efficacy Thesaurus, Application Domain, Technology Topic.

© 2024 PatSnap. All rights reserved.Legal|Privacy policy|Modern Slavery Act Transparency Statement|Sitemap