Method and system for payment of NFC mobile phone-POS machine

Abstract

The invention discloses a method and a system for payment of an NFC mobile phone-POS machine, which are designed to solve the problems of complicated operation and easy mistakes in the prior mobile phone payment mode. The system comprises an NFC mobile phone terminal, an NFC POS machine terminal and a bank network mobile payment server; the NFC POS machine terminal is used for sending a payment request to the NFC mobile phone terminal through NFC signals; the NFC mobile phone terminal is used for receiving the payment request and sending a payment instruction to the bank network mobile payment server according to the payment request; and the bank network mobile payment server receives the payment instruction, processes related financial information and sends an operation result to the NFC POS machine terminal and the NFC mobile phone terminal. The method and the system are suitable for consumption settlement between consumers and trade companies.

Description

technical field [0001] The invention relates to a wireless electronic payment method and system, in particular to an NFC mobile phone-POS machine payment method and system. Background technique [0002] At present, with the promotion 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 carry out shopping settlements in shopping malls equipped with bank terminals, and consume for users. Settlement provides great convenience, and consumers do not need to carry a large amount of cash when they go shopping, which reduces the risk of cash being stolen. However, there are potential safety hazards in the existing bank POS machine terminal consumption settlement. Consumers often have their bank card account numbers and passwords stolen during the consumption settlement process. [0003] With the rapid development of electronics and communication technology, it has become possible t...

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 the payer or the payee Provide mobile phone numbers, and phone numbers generally belong to personal privacy, and most people are unwilling to disclose their mobile phone numbers at will

2. When the payment parties exchange information, 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 the efficiency is low.

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