Consumer socialization zero-cash payment method and system

Abstract

The invention relates to a consumer socialization zero-cash payment method and system, comprising the following steps: mounting a client-end, disposing a server, sending the payment request, transmitting the payment request, backing the payment result, transmitting the payment response. The system comprises a consumer device, a merchant device, a relay device contacting with the consumer device and the merchant device, a payment device contacting with the relay device, wherein the payment device is the bank inside payment platform. The method is capable of performing the socialization large-scale zero-cash consumption payment deal and covering all payment environments and very suitable for wide low-cost social consumption payment group; effectively screening the hacker risk, reducing the consumer use-cost, not disclosing the account information of the consumer for performing the consumption and payment, reducing the payment dealing risk, not changing the feature of the bank inside payment platform with short development period.

Description

technical field [0001] The invention relates to a method for consumers to perform socialized zero cash payment and a system for realizing the method. technical background [0002] With the increasing development and rapid popularization of PSTN (Public Switched Telephone Network), INTERNET (Internet), WAP (Wireless Application Protocol), GPRS (General Packet Radio Service), SMS (Short Message Service) technologies, consumers' payment channels Also gradually experienced the ways of POS (point of sale) terminals, telephone banking, online banking, and mobile banking. Although they can expand the payment group of bank cards to a certain extent, they have the following shortcomings: [0003] (1) The access cost of POS terminals is relatively high, so that consumers are limited to large shopping malls, supermarkets, star-rated hotels, high-end entertainment venues, centralized wholesale markets, large service industries, and medium-sized retail owners who have fixed places and ar...

AI Technical Summary

Problems solved by technology

[0003] (1) The access cost of POS terminals is relatively high, so that consumers are limited to large shopping malls, supermarkets, star-rated hotels, high-end entertainment venues, centralized wholesale markets, large service industries, and medium-sized retail owners who have fixed places and are willing to digest. Payment transactions are carried out in a commercial environment where the cost is low, and there is embarrassment caused by bank card degaussing to consumers, as well as the risk of leaking bank card numbers and passwords;

[0004] (2) There are many voice menus in telephone banking, making payment transaction keys complicated and operations cumbersome;

[0005] (3) Although online banking enables consumers to carry out payment transactions on a global scale, consumers must be able to access the INTERNET! The particularity of its financial transactions and the global sharing characteristics of the Internet make it the preferred target of cyber hackers, and the cost of investing in its security is high;

[0006] (4) The WAP and GPRS methods of mobile banking only use the method of protocol conversion (HTTP (Hypertext Transfer Protocol) to WAP) and parallel access (GPRS does not affect the transmission of voice when surfing the Internet) so that consumers can finally realize it on their mobile phones. The payment mode of online banking, and the access fee is usually higher than that of fixed broadband Internet access;

[0007] (5) The STK (large-capacity, multi-functional customer identification module) card method of mobile banking is that the bank entrusts the network operator to produce a smart chip with an integrated payment module. Consumers not only need to replace the original SIM (customer identification module) for a fee when applying for authorization. module) card, and the follow-up upgrade of the bank payment module is difficult to achieve! In addition, due to the binding of network operators, it is difficult for banks to expand their consumer groups to customers of other network operators;

[0008] (6) The ordinary SMS method of mobile banking requires consumers to use the SMS sending and receiving interface that comes with the mobile phone to manually edit the payment instruction in the format specified by the bank and send it to the bank's SMS gateway. The store and forward mechanism of SMS will cause traces of payment transactions to be stored in the mobile phone, In the base station and network operator's server, this makes the payment method a great security risk, and it also excludes consumers who cannot key and type

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