NFC mobile phones payment terminal, payment procedure and system

Abstract

The invention discloses an NFC mobile phone payment terminal, a payment method and a system. The invention is designed to solve the problems that the prior mobile phone payment mode is troubled in operation and easy to go wrong; the system comprises a mobile phone terminal of a paying party, a mobile phone terminal of a paid party and a bank mobile payment server; the mobile phone terminal of the paid party is used for sending a payment request to the mobile phone terminal of the paying party by an NFC signal; and the mobile phone terminal of the paying party is used for receiving the payment request and sending a payment command to the bank mobile payment server according to the payment request; the bank mobile payment server receives the payment request, processes relevant financial information and sends an operation result to the mobile phone terminal of the paid party and the mobile phone terminal of the paying party. The NFC mobile phone payment terminal, the payment method and the system are suitable for consumption settlement between a consumer and a merchant and payment transfer among individuals.

Description

technical field [0001] The invention relates to a wireless electronic payment device, a payment method and a system, in particular to an NFC mobile phone payment terminal, a payment method and a system. Background technique [0002] At present, with the promotion of bank network service systems, bank credit cards have been more and more widely used in consumption settlement. Consumers only need to use bank cards to carry out shopping settlements in shopping malls equipped with bank terminals, and consume for users. Settlement provides great convenience, and consumers do not need to carry a large amount of cash when they go shopping, which reduces the risk of cash being stolen. However, on the one hand, there are potential safety hazards in the existing bank terminal consumption settlement. Consumers often have their bank card account numbers and passwords stolen during the consumption settlement process; , Restaurants and other public consumption places, but cannot be popul...

AI Technical Summary

Problems solved by technology

At present, a variety of mobile payment modes have been developed, but they have not been popularized and applied due to design defects. The main problems are: 1. Failure to fully protect personal privacy. For example, some payment modes require both parties to exchange mobile phone numbers, while Phone numbers generally belong to personal privacy, and most people are unwilling to disclose their mobile phone numbers at will

2. When exchanging personal information between the two parties, it is necessary to enter lengthy account information, etc., which makes it easy to make mistakes when entering information, and the transaction time is long and inefficient

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