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

A technology of mobile phone and mobile phone number, applied in mobile banking system, data processing of mobile POS consumption, and POS terminal fields, can solve the problems of increasing non-cash payment methods, inability to combine virtual payment network and POS consumption, and very high hardware requirements. To achieve the effect of broadening the scope of application

Active Publication Date: 2008-12-24
CHINA CONSTRUCTION BANK
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

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 reduc

Method used

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

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Embodiment Construction

[0085] 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.

[0086] One of the core concepts of the embodiment of the present invention is that based on the unique binding of the user's mobile phone number and bank account number, the user actively logs into the mobile banking system, enters the transaction amount and transaction time period information, and submits a mobile POS consumption transaction request. The received user request generates a mobile POS consumption authorization transaction and connects to the banking system; the banking system associates the user's bank account for verification processing. If the verification is successful, a payment code with a certain time limit will be generated for the current transaction (that is, POS Consumption authorization code) is returned t...

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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; a mobile phone POS consumption transaction request submitted by the user in the mobile phone banking system is received; the mobile phone banking system generates the mobile phone POS consumption authorization transaction information according to the transaction request; the bank account relevant to the mobile phone number of the user is acquired and verified; if the verification passes, a payment code of the current mobile phone POS consumption transaction is generated and returned to the mobile phone number of the user; the mobile phone number, the transaction amount information and the payment code of the user are input to the POS terminal to generate the corresponding POS consumption request; then the mobile phone number of the user and the payment code are verified and if the mobile phone number and the payment code are proved to be right after verification, a corresponding transaction payment report relevant to the corresponding bank account 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 mobile banking system and a POS terminal. 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...

Claims

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Application Information

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IPC IPC(8): G07G1/12G07F19/00H04Q7/32
Inventor 徐捷马春峰何毅勇寇冠邓华锋缪尔宁张坚肖群谭江健陈旻梁
Owner CHINA CONSTRUCTION BANK
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