WIFI mobile phone payment terminal, method and system

Abstract

The invention discloses a WIFI handset payment terminal, a payment method and a system, designed to solve the problems that the existing handset payment mode is complicated in operation and can easily make a mistake. The system comprises a payer handset terminal, a payee handset terminal and a banking mobile payment server; the payee handset terminal is used to send payment request to the payer handset terminal through WIFI signals; the payer handset terminal is used to receive the payment request and send payment instruction to the banking mobile payment server according to the payment request; the banking mobile payment server receives the payment request and deals with the related account information, and then sends the operating results to the payee handset terminal and the payer handset terminal. The invention is applied to the settlement between consumers and merchants and is also suitable for payment transfer between two individuals.

Description

technical field [0001] The invention relates to a wireless electronic payment device, a payment method and a system, in particular to a WIFI 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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