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Novel mobile phone payment terminal-based payment method

A mobile payment and terminal technology, applied in the direction of a complete banking system, a complete banking system, coin-free or similar appliances, etc., can solve problems such as non-occurrence, and achieve a compact body, convenient and safe payment, and easy to carry around. Effect

Inactive Publication Date: 2011-01-19
FUJIAN LANDI COMML EQUIP CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] To sum up, there is no way to integrate the functions of the POS machine into the mobile phone for safe payment.

Method used

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  • Novel mobile phone payment terminal-based payment method
  • Novel mobile phone payment terminal-based payment method
  • Novel mobile phone payment terminal-based payment method

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0041] The payment method is that the mobile phone payment terminal directly connects wirelessly with the bank payment system or a third-party payment system to complete the function of swiping the card for payment. When the credit card payment function is a transfer service, the following steps are included:

[0042] Step 11, the user selects the service category as the transfer service at the mobile payment terminal;

[0043] Step 12. Insert the bank card or the financial card of the third-party payment system into the card reader slot of the mobile payment terminal to swipe the card;

[0044] Step 13. Enter the transfer amount and the other party's account number;

[0045] Step 14. The mobile payment terminal displays the transfer amount and the account information of the other party, and the user enters the bank card or the financial card password of the third-party payment system to confirm the transaction or return to step 13 to re-enter;

[0046] Step 15. After confir...

Embodiment 2

[0048] When the credit card payment function is an online shopping service, it includes the following steps:

[0049] Step 21, the user selects an online shopping business on the PC, and generates an online shopping business order number;

[0050] Step 22, the user selects the service category as an online shopping service at the mobile payment terminal;

[0051] Step 23, input the online shopping business order number;

[0052] Step 24. The mobile payment terminal confirms the legitimacy of the online shopping business order number and the bank account information and consumption amount of the corresponding merchant through wireless communication means and the bank payment system or third-party payment system, or returns to step 23 for re-input;

[0053] Step 25. Insert the bank card or the financial card of the third-party payment system into the card reader slot of the mobile payment terminal, and swipe the card;

[0054] Step 26. After confirmation, the mobile payment te...

Embodiment 3

[0056] The payment method is that the mobile phone payment terminal wirelessly connects with a bank payment system or a third-party payment system through a PC to complete the card payment function. When the payment by swiping a card is an online shopping service, the steps are as follows:

[0057] Step 31, the user selects the product on the PC through the network, places an order, and selects the payment method to pay for the order, and obtains the order number;

[0058] Step 32. After the mobile payment terminal is connected to the PC through a USB interface, and after the mobile payment terminal successfully enters an order, the mobile payment terminal displays the amount to be paid;

[0059] Step 33. Insert the bank card or the financial card of the third-party payment system into the card reader slot of the mobile payment terminal to swipe the card, and enter the password of the bank card or the financial card of the third-party payment system for confirmation;

[0060]...

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Abstract

The invention provides a novel mobile phone payment terminal-based payment method. The payment function of a POS machine and the mobile phone function are integrated to form a mobile phone payment terminal to be used for card payment and communication without the POS machine and to be finally butted with various payment systems. Therefore, the payment function of various financial cards is realized.

Description

【Technical field】 [0001] The invention relates to a payment method based on a novel mobile phone payment terminal. 【Background technique】 [0002] The current POS machines are relatively large, and are usually used in tangible consumption places such as supermarkets and shopping malls, and cannot be carried around. Therefore, they are usually controlled by merchants, not consumers. Make a payment. In addition, the current mobile phones have been widely promoted, and almost everyone has one, and the models are small and exquisite, so they are easy to carry around. Therefore, the current industry has also successively developed mobile payment products: [0003] As published on February 16, 2005, the Chinese invention application with the publication number CN1581186 discloses a mobile payment system and method, which includes a user mobile phone, a mobile payment login server, a UnionPay mobile payment server, a cash register terminal and a UnionPay mobile payment client Ap...

Claims

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Application Information

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IPC IPC(8): G07G1/12G07F19/00H04W88/02
Inventor 刘世英李登希李海鸥郑庚洪晓辉
Owner FUJIAN LANDI COMML EQUIP CO LTD
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