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; 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 codeof 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...

AI Technical Summary

Problems solved by technology

[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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