Mobile payment method for field shopping

Abstract

The invention relates to a mobile payment method for field shopping, and belongs to the technical field of mobile payment. A cellphone is utilized as a payment terminal of a consumer and a non-contact POS (point-of-sale) terminal of a commercial tenant. The mobile payment method comprises the steps that a commercial tenant cashier utilizes the cellphone to recognize a bar code of a commodity chosen by a consumer, and then a trading two-dimension code generated according to order information and business information is displayed on a cellphone screen; the consumer utilizes the cellphone to recognize trading two-dimension code information, and requests an internet payment platform and a bank deal system to pay after affirming the amount of payment. The mobile payment method provided by the invention has the advantages that a bank card and a POS machine are needed in the whole trading process, and the information of a bank card and account codes of the customer do not enter a commercial tenant cashier system, so that the operating cost of the commercial tenant is reduced, and the safety of mobile online payment is also guaranteed; a mobile payment system can record consumer consuming behavior data and commercial tenant market data which are generated in the trading process, and thus data resources with huge economic values and social values are accumulated for banks or Union Pay.

Description

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AI Technical Summary

Benefits of technology

This patented technology allows users on both devices (Mobile Phone) and at least one device called Point Of Sale Terminals (POS). They use their Mobile phones instead of traditional credit cards while still being able to pay through an electronic funds transfer service provided over wireless networks like WiFi network. Users donate money from these two types of accounts - they are either buying prepaid tokens or purchasing items directly into them when making transactions. These systems provide financial tools such as tracking user usage patterns and generating income based upon those used across different locations.

Problems solved by technology

This patents discusses different technical problem addressed in this patented technology where current systems involve either paper money or magnetic stripe cards used on wallets or point-of sale devices like PointOf Sales (POPS). These solutions may lead users to lose their funds due to leaks from unscored notes displayed on screen displays while making purchases through these interfaces. Additionally, customers often store excessive amounts of sensitive personal information such as social security numbers or passwords overlookings.

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