Bluetooth mobile payment terminal, payment method and system

Abstract

The invention discloses a Bluetooth cellular phone payment terminal, a payment method and a system thereof, which is designed for solving the problems of complicate payment and easy errors of an existing cellular phone payment mode. The system comprises a payer cellular phone terminal, a payment receiver cellular phone terminal and a bank mobile payment server, wherein the payment receiver cellular phone terminal is used for sending the payment request for the payer terminal through a Bluetooth, and the payer cellular phone terminal is used to receive the payment request and send the payment instruction for the bank payment server through the payment request, and the bank mobile payment server is used to receive the payment request, to process related financial information, and send the operation result to the payment receiver cellular phone terminal and the payer cellular phone terminal. The invention is applied to the consumption settlement between consumers and trade companies, also is applied to the transfer by payment between individuals.

Description

technical field [0001] The invention relates to a wireless electronic payment device, a payment method and a system, in particular to a bluetooth 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 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 terminals. 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 terminal consumption settlement. Consumers often have their bank card account numbers and passwords stolen during the consumption settlement process; , Restaurants and other public consumption places, but can...

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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