Payment clearance method

Abstract

An embodiment of the present invention discloses a payment clearance method. The method comprises: after a consumer selects a plurality of commodities, generating a commodity list on a mobile terminal; identifying a merchant identification code; initiating a payment from an APP of the consumer according to the commodity list; activating an apparatus integrating payment and clearance of a financial card by using the APP of the consumer, and sending a payment request to the apparatus, enabling the apparatus integrating payment and clearance of the financial card to receive the payment request and generate a POS message, and sending the POS message to a POS operator via a cloud-end service platform, wherein the apparatus integrating payment and clearance of the financial card comprises a control module, a near field communication module, a POS module, a UICC card module and a network communication module; and after the consumer and a salesperson find no mistakes in an electronic cashier receipt received by both parties after a check, delivering commodities on the commodity list to the consumer. By using the method, the consumer can conveniently and quickly perform online payment clearance of entity shopping, and moreover the security is greatly improved.

Description

Technical field [0001] The invention belongs to the field of mobile payment, and specifically relates to a payment settlement method. Background technique [0002] Existing payment and settlement modes that use bank cards for consumption usually include the mode of payment and settlement through the bank card swiping the POS terminal in the offline consumer payment and settlement scenario, and the payment through bank online banking or third-party quick payment in the online consumer payment and settlement scenario. The mode of settlement, and other payment and settlement modes. [0003] Generally, when consumers settle their purchases, they need to go to the cashier of the merchant to settle the payment. In some shopping malls or supermarkets, especially during holidays, many consumers who need to pay and settle are often gathered at the merchant's cash register. Many people at the cash register sometimes line up in long lines and sometimes gather in disorder, which greatly affec...

AI Technical Summary

Problems solved by technology

[0006] The technical problem to be solved by the present invention is to provide a payment and settlement method, by directly generating a product list and initiating a payment request online when shopping in a physical store, and using a device that integrates financial card payment and settlement for online card payment The process solves the inefficient problem of needing to go to the cashier counter for payment when shopping

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