Method and system for realizing bank card transaction between mobile phones in point-to-point way

Abstract

The invention discloses a method and system for realizing bank card transaction between mobile phones in a point-to-point way. The method comprises the following steps that: firstly, a consumption mobile phone sends transaction information and unique identification information stored in a mobile phone card to a transaction information switching server; the transaction information switching serverjudges and identifies the unique identification information, and if the unique identification information is accurate, the transaction information switching server converts the unique identification information into a mobile phone number and sends the mobile phone number and the transaction information to a bank withholding system; and the bank withholding system sends the transaction informationto a mobile phone of a merchant, and if the merchant confirms the transaction, the bank withholding system finds a bank card bound together with the mobile phone number to finish the withholding of the bank card and end the transaction. By using the method and system, operation for the transaction between the consumption mobile phone and the mobile phone of the merchant is directly carried out, so that a third-party platform is omitted, the operation steps of the transaction are simplified, and the transaction can be more rapidly finished.

Description

technical field [0001] The invention relates to a bank card transaction method and system, in particular to a method and system for realizing bank card transaction point-to-point between mobile phones. Background technique [0002] With the development of communication technology, especially the rapid development of high-speed wireless communication 3G and 4G technology, the position of traditional wired communication is relatively fixed, and wireless communication has the advantages of flexibility and no space limitation. Therefore, the use of wireless communication can gradually replace the traditional use of wired communication. business conducted. For example: currently using online banking for transfers, online shopping, recharging, payment and other online consumption, although it has the advantages of fast and convenient compared to cash payment, it must rely on computers, especially in bank settlements, must also use the bank Recognized digital certificates and othe...

AI Technical Summary

Problems solved by technology

Through the third-party consumption platform, the transaction process is complicated. For example, before the transaction, both parties must register an account on the third-party consumption platform at the same time, and must recharge the registered account through online banking or other recharge methods during the transaction. The transaction fee can be transferred to the third platform only after passing various certifications of the third-party consumption platform. Finally, after the transaction is completed, the consumer (buyer) must complete the transaction on the third-party consumption platform after receiving the goods and completing the transaction. Although this method is highly secure, it is too cumbersome when performing simple transactions, which is not conducive to the quick and quick completion of transactions between buyers and sellers

Moreover, when using a third-party platform for transactions through mobile phones, the use of digital certificates is also inconvenient. For example, when using CCB’s U-KEY digital certificates, most of them are USB ports, which is not conducive to mobile phone operations.

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