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Payment system and method based on fixed-point transmission

A payment system, fixed-point technology, applied in the electronic field, can solve the problems of customer inconvenience, inability to make electronic payment, data transmission and other problems, and achieve the effect of convenient transaction realization.

Inactive Publication Date: 2014-07-30
GOLDEN VAST MACAO COMML OFFSHORE
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0002] Electronic payment systems in the prior art usually use wireless communication methods such as infrared, bluetooth, WIFI, and NFC to realize short-distance electronic payment. Payment in cash may also cause inconvenience to customers if they do not bring cash

Method used

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  • Payment system and method based on fixed-point transmission
  • Payment system and method based on fixed-point transmission
  • Payment system and method based on fixed-point transmission

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0020] figure 1 It is a schematic structural diagram of a payment system based on fixed-point transmission provided in Embodiment 1 of the present invention; see figure 1 The fixed-point transmission-based payment system 100 provided by the embodiment of the present invention specifically includes: a first mobile terminal 11, a second mobile terminal 12, and an authorized payment subsystem 132; wherein, the first mobile terminal 11 is provided with a biometric authentication device 111 and The first fixed-point transmission transceiver 112 and the second fixed-point transmission transceiver 121 are provided on the second mobile terminal 12 , and the first fixed-point transmission transceiver 112 communicates with the second fixed-point transmission transceiver 121 through magnetic signals.

[0021] Wherein, when the first user of the first mobile terminal 11 wants to realize face-to-face transactions, the second user of the second mobile terminal 12 sets the consumption amount...

Embodiment 2

[0024] figure 2 It is a schematic structural diagram of an electronic payment system provided in Embodiment 2 of the present invention; the biometric verification device in the embodiment of the present invention is specifically a fingerprint authentication device, see figure 2 The electronic payment system 200 provided by the embodiment of the present invention specifically includes: a first mobile terminal 21, a second mobile terminal 22, and an authorized payment subsystem 23; wherein, the first mobile terminal 21 is provided with a biometric authentication device 211 and a first certain The point transmission transceiver 212, the second fixed point transmission transceiver 221 is provided on the second mobile terminal, and the first fixed point transmission transceiver 212 communicates with the second fixed point transmission transceiver 221 through magnetic signals.

[0025] Wherein, when the first user of the first mobile terminal 21 wants to realize face-to-face trans...

Embodiment 3

[0033] image 3 It is a schematic flowchart of a payment method based on fixed-point transmission provided in Embodiment 3 of the present invention; the embodiment of the present invention can be realized by the payment system based on fixed-point transmission in Embodiment 1 and Embodiment 2, see image 3 , the payment method based on fixed-point transmission in the embodiment of the present invention specifically includes the following steps:

[0034]Step 301, when the first user of the first mobile terminal wants to realize face-to-face transactions, the second user of the second mobile terminal sets the consumption quota of the first user through the second mobile terminal, and transfers the consumption quota to the customer through the second fixed-point transmission transceiver. Send to the first fixed-point transmission transceiver, so that the first user can confirm;

[0035] Step 302, after the first user confirms through the first mobile terminal, the first mobile t...

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Abstract

The invention discloses a payment system and method based on fixed-point transmission. The payment system comprises a first mobile terminal, a second mobile terminal and an authorization payment subsystem. The first mobile terminal is provided with a biological characteristic authentication device and a first fixed-point transmission transceiver. The second mobile terminal is provided with a second fixed-point transmission transceiver. The first fixed-point transmission transceiver and the second fixed-point transmission transceiver conduct communication through magnetic signals. A second user of the second mobile terminal sets consumer spending of a first user through the second mobile terminal, and the second fixed-point transmission transceiver sends the consumer spending to the first fixed-point transmission transceiver; the first mobile terminal sends request messages of transfer from a first account of the first user to the authorization payment subsystem through a mobile network; the authorization payment subsystem transfers the consumer spending from the first account to a corresponding second account of the second user according to the consumer spending. By the adoption of the payment system and method, it can be guaranteed that electronic payment can be normally conducted, and transaction can be conveniently achieved.

Description

technical field [0001] The invention relates to the field of electronic technology, in particular to a payment system and payment method based on fixed-point transmission. Background technique [0002] Electronic payment systems in the prior art usually use wireless communication methods such as infrared, bluetooth, WIFI, and NFC to realize short-distance electronic payment. Cash payment is used, and if the customer does not bring cash, it may also cause inconvenience to the customer. Contents of the invention [0003] In order to solve the problems in the prior art, an embodiment of the present invention provides a payment system and payment method based on fixed-point transmission. Described technical scheme is as follows: [0004] On the one hand, a payment system based on fixed-point transmission is provided, and the payment system based on fixed-point transmission includes: a first mobile terminal, a second mobile terminal, and an authorized payment subsystem; where...

Claims

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Application Information

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IPC IPC(8): G06Q20/32G06Q20/16G06Q20/40
CPCG06Q20/32G06Q20/16G06Q20/40145
Inventor 王国芳
Owner GOLDEN VAST MACAO COMML OFFSHORE
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