Free payment transaction mode of mobile Internet

Abstract

The invention provides an on-site payment transaction mode of the mobile Internet, which belongs to the technical fields of software, mobile communication, Internet, 3G, mobile Internet, intelligent mobile phones and bar code scanning. The technical problem to be solved by the invention is that: a near-field communication technology is adopted for the present point of sale (POS) machine payment and the mobile payment of banks, however, the near-field payment technical standards are unified so far; a POS terminal is expensive, is hard to popularize, and causes many troubles for the payment promotion and brings difficulties to user payment, so that the POS terminal is not beneficial to commodity transaction. The invention aims to realize the free payment by using the mobile Internet technology, the software technology, the mobile communication technology and the like rather than the near-field communication technology and the POS machine. The key point of the technical scheme provided by the invention is that: all the transactional functions, such as merchant number identification, user identity information identification, man-machine interaction, safe communication, transaction status display, transaction process control and the like are realized mainly through using the mobile Internet technology, the software technology, a terminal technology, an encrypted communication technology, a cloud technology, a security technology and the like.

Description

technical field [0001] The mobile Internet free payment transaction mode is a payment transaction method realized by using mobile Internet software application technology and network communication technology. The mobile Internet free payment transaction mode is a new transaction payment mode in the mobile Internet era, which allows users or merchants (businessmen) It is a service method that downloads the mobile Internet free payment client transaction software provided by the transaction service provider (SP) on one's own mobile terminal or PC terminal to make account payment for the consumed goods or services. [0002] The mobile Internet free payment transaction mode is an application of mobile Internet value-added services. The mobile Internet free payment transaction mode will establish a payment account associated with its mobile phone number for each user, providing a way for mobile users to conduct transaction payment and identity authentication through mobile phones, ...

AI Technical Summary

Problems solved by technology

[0009] 3. The current problems faced by POS machine payment

[0011] (1) They all use near-field communication technology and need to use POS machines. POS machines are very expensive and have high input costs. All merchants and stores need to purchase or rent POS machines to provide payment transactions for users, otherwise they can only pay in cash;

[0012] (2) Mobile payment POS machines and UnionPay POS machines are temporarily incompatible due to inconsistent technical standards; therefore, merchants may need to install multiple POS machines, which increases social costs and is not conducive to consumers, because the costs will eventually be passed on to consumption who

[0013] (3) Insufficiency of mobile payment: mobile payment users need to go to the business hall of the telecom operator to change a specific phone UIM card (or SIM card, USIM card). Whether it is metal will affect the success of swiping the card;

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