Field off-line payment transaction system and method based on portable terminal universal interface

Abstract

The invention discloses a field off-line payment transaction system and method based on a portable terminal universal interface. In the payment transaction process, a consumer users a portable terminal under the off-line situation, the unique fund payment pay order code information of a platform signature downloaded from a payment platform in advance is transmitted to a consumption payment terminal of a merchant in one direction through a voice frequency earphone interface and other universal interfaces commonly used in a PDA, a POS machine verifies the information authenticity for the payment platform online, the payment platform executes the payment and clearance, and confirmation information is returned to the POS machine. When the field off-line payment transaction system is used for transaction, the PDA does not need to be networked, it is only needed to transmit information to the POS machine in one direction while the POS machine does not need to return transmitted information to the PDA, and the transaction can be achieved by adopting the voice frequency earphone interface arranged in ordinary intelligent terminals. Especially, a password does not need to be input under the situation of frequent micropayment, potential safety hazards caused by revealing of an account and a password of the consumer in the public place are prevented, and the transaction process is convenient and fast.

Description

technical field

[0001] The invention belongs to the mobile payment field of the mobile Internet, and in particular relates to an on-site offline payment transaction system and method based on a general interface of a portable terminal. Background technique

[0002] Non-cash payment is a common transaction method in today's society. Typically, a consumer participates in a transaction to purchase an item through a merchant's bank account or other payment account. The transaction process needs to verify the consumer's account information and its consumption medium bank card or smart phone PDA, as well as the identity or amount information of the merchant or card-swiping terminal POS terminal. When conducting payment transactions through the above methods, it is often necessary to enter the password on the spot in a public place, which is likely to cause the leakage of the password, especially when frequent small-amount payments in life are cumbersome and bring unsafe hidden ...

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