Method for processing mobile phones POS consumptive data and mobile phones POS consumption system

Abstract

The invention discloses a data processing method for mobile phone POS consumption, which comprises that connection between the mobile phone number and the bank account of a user is established; the mobile phone number of the user and the transaction amount information are input into a POS terminal which generates a POS consumption request according to the input information; the bank account relevant to the mobile phone number of the user is acquired according to the POS consumption request and verified; if the verification passes, a consumption short message of the POS consumption request is generated and sent to the mobile phone number of the user and a link to a mobile phone banking system is contained in the short message; the user then logs in the mobile phone banking system and submits the payment confirmation information; then the login information and the payment confirmation information are verified and if the information is proved to be right after verification, a transactionpayment report of the bank account relevant to the mobile phone number of the user is generated; the corresponding currency amount is transferred from the bank account of the user to the network account connected to the POS terminal according to the transaction payment report. The data processing method has low cost and improves the security of the POS consumption.

Description

technical field [0001] The invention relates to the field of POS payment, in particular to a data processing method for mobile POS consumption, a mobile POS consumption system, a POS terminal and a mobile banking system. Background technique [0002] POS (Point of sales, sales terminal) is a multifunctional terminal, generally equipped with a barcode or OCR code (Optical character recognition, optical character code) terminal reader. The POS system is composed of POS terminals, network equipment, mainframe and auxiliary equipment, etc. It is usually set up at the cashiers of supermarkets, shopping malls, hotels and other shopping and consumption places or charging stations. Its essence is to realize the data exchange between commercial outlets and banks. Interactive processing, such as electronic funds transfer, etc. [0003] At present, POS has become an auxiliary tool for credit card consumption services widely provided by shopping malls, restaurants, gas stations and oth...

AI Technical Summary

Problems solved by technology

At present, domestic mobile operators cannot provide financial services, so this method needs to establish a complete RFID system; modify or replace existing POS machines, and add RFID reading modules to make them capable of reading; at the same time, the user's mobile phone must also Supports RFID function, which requires very high hardware requirements, resulting in high development and replacement costs

[0031] Therefore, how to propose an innovative mobile phone consumption system, on the basis of reducing costs as much as possible and improving security, to realize the mobile payment function of mobile phones, that is, to let mobile phones Instead of bank cards for "card-swiping" consumption on POS machines, broadening the application range of POS machines, increasing the ways of non-cash payment for users, and solving the problem that the domestic virtual payment network and POS consumption cannot be combined, it has become an urgent technology for technical personnel in the field. one of the problems

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