Card-less mobile payment system replacing solid bank card on basis of traditional financial terminal and application method thereof

Abstract

The invention discloses a card-less mobile payment system replacing a solid bank card on the basis of a traditional financial terminal and an application method thereof. The system comprises a backstage server, intelligent equipment and a financial terminal, wherein the backstage server comprises a trade acceptance module and a sound wave management module, the trade acceptance module and the sound wave management module are coupled, the intelligent equipment is coupled with the backstage server and comprises a bank card management module and a sound wave launching module, the financial terminal is coupled with the backstage server and the intelligent equipment and comprises a trade request module and a sound wave acceptance module, and the backstage server further comprises a bank card authorization information database and a user management database. According to the card-less mobile payment system, on the basis of the traditional financial terminal, the upgraded sound wave acceptance module and a handheld intelligent terminal with card-less mobile payment application are used for carrying out communication, obtaining information and payment authorization of the card used by consumers for payment, and transmitting the obtained authorization information to a backstage service system to carry out trade confirmation, and therefore the system is safer, more convenient to use and more efficient.

Description

technical field [0001] The present invention relates to the entire offline bank card acquiring market, in particular to a cardless mobile payment system and application method based on traditional financial terminals and replacing physical bank cards. Background technique [0002] At present, the traditional bank card transaction needs to show and swipe the physical card and enter the transaction password. On the one hand, the physical card has the risk of being copied, and the transaction password has the risk of being peeped; The increasing number of some bank cards has brought greater difficulty to the unified management and portability of cardholders' bank cards. Contents of the invention [0003] In view of the above problems, the present invention provides a method that solves the security problems, convenience problems and multi-card management problems involved in the above process, and will play a guiding role in the future evolution of cardless mobile payment of ...

AI Technical Summary

Problems solved by technology

[0002] At present, the traditional bank card transaction needs to show and swipe the physical card and enter the transaction password. On the one hand, the physical card has the risk of being copied, and the transaction password has the risk of being peeped; After some bank cards are more and more, it brings greater difficulty to the unified management and portability of cardholders' bank cards

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