Phone number payment platform, payment trading system and method thereof

Abstract

The invention relates to a phone number payment platform, a payment trading system and a method thereof. The invention comprises a POS machine terminal, a phone number payment platform and a background database, wherein the POS machine terminal is connected with the phone number payment platform by a fixed network; data in the phone number payment platform is stored in the background database, corresponding data is extracted from the background database according to requirement to carry out comparison and judgment; and the phone number payment platform is also connected with a payment service supplier by a unionpay special line. A payer inputs the phone number of a payee on the POS machine terminal and uses the phone number of the payee as a unique trading number, then the phone number payment platform can extract receiving bank card information bound with the phone number of the payee according to the payee registration information stored in the background database, inputs the paying bank card information, the bank card password, the receiving bank card information and the paying information to the payment service supplier and realizes the transfer from the paying bank to the receiving bank.

Description

technical field [0001] The invention relates to a network communication system and method, in particular to a mobile phone number payment platform based on a fixed network, and a payment transaction system and method using the platform. Background technique [0002] At present, POS machines have been widely used in the field of bank card settlement, which provides great convenience for commercial payments. Consumers often use bank cards to swipe their cards on the POS terminals of merchants. POS machines are usually set up by merchants' banks. in the merchant's storefront. After the consumer swipes the card on the POS machine, the POS machine generally sends the payment information to the bank of the POS machine, that is, the payee's bank, and then the payee's bank forwards the payment information to the cardholder through an intermediary network such as UnionPay. The bank, that is, the bank of the payer, after the bank of the payer confirms the payment information, returns...

AI Technical Summary

Problems solved by technology

Since the signature code is usually randomly generated by using a complex transformation function, the signature codes are not regular when generated. It is also necessary to set the validity period of the signature code, and it may be generated repeatedly within the validity period. When two or more transactions are assigned to the same bill number, it will cause great confusion to the transaction work in the system

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