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 POS machine terminal and a bank network mobile payment server; the payee POS machine 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 POS machine 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 consumers and shops.

Description

Technical field [0001] The invention relates to a wireless electronic payment device, a payment method and a system, and in particular to an infrared mobile phone payment terminal, a payment method and a system. Background technique [0002] At present, with the popularization and application of bank network service systems, bank credit cards have become more and more widely used in consumer settlement. Consumers only need to use bank cards to make shopping settlements in shopping malls equipped with bank network terminals. Consumer settlement provides great convenience, consumers do not have to carry a large amount of cash when going shopping, which reduces the risk of cash being stolen. However, the existing bank network POS terminal has security risks in the consumption settlement process. Consumers need to input password information during the consumption settlement process, and the phenomenon that the bank card account password is often stolen. [0003] With the rapid develo...

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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