Infra-red ray mobile phones payment terminal, payment procedure and system

Abstract

The invention discloses an infrared mobile phone payment terminal, a payment method and a payment system which are designed for solving the problems that the payment mode of the existing mobile phone is complicated to be operated and is easy to get wrong. The system comprises a payer mobile phone terminal, a payee mobile phone terminal and a bank network mobile payment server; the payee mobile phone terminal is used for sending a payment request to the payer mobile phone terminal by an infrared signal; the payer mobile phone terminal is used for receiving the payment request and sending a payment instruction to the bank network mobile payment server based on the payment request; the bank network mobile payment server is used for receiving the payment request, processing the related financial information and sending the operation result to the payee mobile phone terminal and the payer mobile phone terminal. The infrared mobile phone payment terminal, the payment method and the payment system of the invention are suitable for the consumption settlement between the consumers and the shops, and also are suitable for the payment transfer between individuals.

Description

technical field [0001] The invention relates to a wireless electronic payment device, a payment method and a system, in particular to an infrared mobile phone payment terminal, a payment method and a system. Background technique [0002] At present, with the promotion and application 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 make shopping settlements in shopping malls equipped with bank network terminals. The user's consumption settlement provides great convenience. Consumers do not need to carry a large amount of cash when traveling and shopping, which reduces the risk of cash being stolen. However, on the one hand, there are potential safety hazards in the existing bank network terminal consumption settlement. Consumers often have their bank card account numbers and passwords stolen during the consumption settlement process; Shopping malls, restaurants and othe...

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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