Method and system for processing transaction data, transaction processing system and third-party payment system

Abstract

The embodiment of the invention discloses a method and a system for processing transaction data, a transaction processing system and a third-party payment system which are based on a third-party payment platform. The method comprises the following steps: receiving buyer account information transmitted by a buyer in the wireless mode through a mobile terminal; acquiring transaction information and seller account information from a transaction terminal, wherein the transaction information at least comprises transaction amount; sending a transaction request to the third-party payment platform, wherein the transaction request comprises the buyer account information, the seller account information and the transaction information; and receiving transaction result information returned by the third-party payment platform, wherein the transaction result information is generated after the third-party payment platform transfers the transaction amount from a buyer account to a seller account according to the transaction information. The method and the system for processing the transaction data, the transaction processing system and the third-party payment system realize payment through the mobile terminal, so the payment convenience for a user is improved; in addition, the process for realizing the transaction payment is based on the third-party payment platform, so the payment security is improved.

Description

technical field [0001] The present application relates to the field of communication technology, in particular to a transaction data processing method and system based on a third-party payment platform, a transaction processing system, and a third-party payment system. Background technique [0002] Nowadays, electronic payment has become a widely used payment method in people's daily life. Electronic payment refers to the process in which units or individuals issue payment instructions directly or indirectly to banks and other financial institutions through electronic terminals to realize currency payment and fund transfer. A common electronic payment method is point-of-sale terminal payment (for example, purchasing goods in a shopping mall). This payment method requires the user to carry a bank card with him. The seller is equipped with a credit card machine connected to the bank. When the user purchases goods, the sales The party completes the payment through the credit ca...

AI Technical Summary

Problems solved by technology

[0003] During the research and practice of the prior art, the inventor found that the above-mentioned point-of-sale terminal payment method requires the user to carry the bank card in real time, and with the increasing development of the communication network, the mobile terminal has become a must-have for people to carry with them, but , People may feel inconvenient because they need to carry more items with them in their daily life, especially when they forget their bank cards, it is difficult to buy goods at shopping malls and other sales points; and, if the bank card is lost or paid by bank card During the process, it is easy to leak the user's personal information, so the security of the existing point-of-sale terminal payment method is not high

It can be seen that in the prior art, although the mobile terminal is an item that people carry with them, and the payment method based on the third-party payment platform has relatively high security, it has not been applied in the point-of-sale terminal payment method.

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