Method for realizing purposes of generating and paying bill on site

Abstract

The invention discloses a method for realizing the purposes of generating and paying a bill on site, which relates to wireless communication remote payment technology. The method comprises: a consumer transacts a mobile phone payment service at an appointed business hall; a bank card of the consumer is bound with a financial smart card; client software for reading and writing the financial smart card is installed on the mobile phone; a merchant sends the payment information of commodities or services to a mobile phone payment platform through an on-site bill terminal, the mobile phone payment platform generates a bill, and the consumer acquires the bill from the merchant; and the consumer selects the bank card and inputs passwords to use the mobile phone for paying. By adopting the method, the consumer not only can conveniently and quickly implement electronic payment without amount limitation but also can ensure that bank card information and passwords are not submitted to the POS machine of the merchant, thereby furthest ensuring the safety of the funds of the consumer.

Description

technical field The invention relates to wireless communication remote payment technology, specifically to a method for generating bills and completing payment at the shopping site. Background technique On-site payment means that when consumers purchase goods or services, they immediately pay merchants in cash or electronically. The payment is processed on the spot. After payment, consumers can get the goods or services. Hereinafter, "consumer" and "cardholder" are interchangeable. On-site payment process is as follows: 1) The merchant counts the amount that the consumer needs to pay for the goods or services purchased. 2) Consumers transfer funds to merchants through cash payment or electronic payment. 3) After confirming the payment, the merchant delivers the goods or services purchased by the consumer to the consumer. Methods for consumers to make payments include: 1) Cash payment 2) Payment by bank card 3) Mobile payment - on-site micropayment, the mobile...

AI Technical Summary

Problems solved by technology

1) Cash payment, in the process of payment and change, the authenticity of the cash must be identified, which is likely to cause financial loss

Extensive use of cash cannot meet the requirements of environmental protection and low-carbon life

2) For payment by cash card / voucher, the rules of use are determined by the merchant. There are restrictions on the use of no change, restrictions on the type of goods or services purchased, and the legitimate rights and interests of consumers cannot be effectively protected.

Since cardholders generally do not have the ability to identify the legitimacy of POS devices, once the merchant's POS devices are cracked or false POS devices are used to steal the cardholder's card information and passwords, it is very easy to cause a major loss of cardholder funds. loss

5) Since the owner of the POS machine is the merchant, once the merchant's POS machine is cracked, the displayed payment amount is inconsistent with the actual payment amount, which is difficult for the cardholder to find out and may easily cause the cardholder's fund loss

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