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 finall

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