Short-distance payment system and payment procedure based on graphs

Abstract

The utility model relates to the mobile payment technology field, particularly to a short-distance payment system based on graphs. The payment system comprises a collecting terminal and a payment terminal, wherein the collecting terminal comprises: an order generating module for generating an order based on the goods selected by the client and the service information, a graphic code transforming module for transforming the order information into a graphic code image containing graphic code or identifying the order information from graphic code image, a display module for displaying the graphic code image generated by the graphic code transforming module, a camera device for capturing the graphic code image, and a communication module for communicating with a payment settlement system. The payment terminal comprises a camera device, a graphic code transforming module, and a display module. The invention also discloses a short-distance payment method based on graphs. The payment method requires no change to the hardware of a handset. Moreover, the handset and the collecting terminal carry out communication via mutual shooting, with no need for other communication, thereby being secure and reliable, generating no communicating fee, and ensuring the security of the transaction.

Description

technical field [0001] The invention relates to the technical field of mobile payment, in particular to a graphics-based short-distance payment system and payment method. Background technique [0002] Traditional transaction payments are mainly cash, which requires users to carry enough cash during transactions. Obviously, cash transactions have disadvantages such as inability to carry a large amount and poor security. Therefore, with the development of the financial industry and technology, non-cash transaction methods have been gradually invented. At present, the most widely used non-cash transaction method is bank card swiping transactions, using bank cards provided by banks for users and POS provided by banks for merchants, etc. Terminal, POS terminal obtains relevant information of the user account by swiping the user's card, and uploads it to the bank's transaction system together with the current merchant information and transaction amount information, and the bank tr...

AI Technical Summary

Problems solved by technology

Bank card consumption makes up for the lack of cash consumption, but there are still some inconveniences. For example, you must carry a bank card, and the loss or copying of the bank card will also bring certain risks.

[0003] At present, there is another method of short-distance payment through RF radio frequency technology, such as common bus cards, but RF radio frequency cards and card reading devices are not common equipment in life, so it is difficult to promote

[0004] With the development of science and technology, mobile phones have become an indispensable portable device for modern people, and mobile payment technology is gradually emerging. At present, traditional mobile payment has a variety of schemes, such as binding the mobile phone number to a credit card number and making payment through STK cards. Transfer operations, or small payments based on SMS, etc., all of the above solutions involve the upgrading and replacement of mobile phone number cards or the upgrading of the internal systems of mobile communication operators, and the compatibility is not high, so it is difficult to promote

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