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Mobile payment platform based on social relations and LBS

A mobile payment and social relationship technology, applied in payment architecture, payments involving neutral parties, transmission systems, etc., can solve problems such as lack of utilization of social network information, difficulty in completing business logic, and attack on the bank's own image, to simplify the process , The effect of reducing operating costs and simplifying the settlement process

Inactive Publication Date: 2016-09-07
DALIAN UNIV OF TECH
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

Others that are also worthy of attention are third-party payment service providers. Access to bank information by third-party payment service providers is still a sensitive topic. Payment services must ultimately be attributed to the bank. If the third-party service provider cannot link to the bank, then Difficult to complete business logic
However, if the bank develops information to the service provider, once the service provider fails to satisfy the customer, or even uses the customer's information to make illegal profits, it will cause a fatal blow to the bank's own image
[0005] (2) Mobile devices will cause fundamental changes to the existing market
[0008] (3) Social network information is huge and lacks utilization
However, people are facing the embarrassing situation of "information explosion but poor wisdom"

Method used

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  • Mobile payment platform based on social relations and LBS
  • Mobile payment platform based on social relations and LBS
  • Mobile payment platform based on social relations and LBS

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Embodiment Construction

[0032]In order to make the technical problems solved by the present invention, the technical solutions adopted and the technical effects achieved clearer, the present invention will be further described in detail below in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described here are only used to explain the present invention, but not to limit the present invention. In addition, it should be noted that, for the convenience of description, only parts related to the present invention are shown in the drawings but not all content.

[0033] Please refer to Figure 1 to Figure 8 , this embodiment provides a social relationship and LBS-based mobile payment platform, characterized in that the mobile payment platform includes: a mobile payment module.

[0034] The mobile payment module further includes the following modules: user checkout module: when the user goes shopping to the counter to check out, first use th...

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Abstract

The invention discloses a mobile payment platform based on social relations and LBS. The platform includes a mobile payment module which further includes a user account module and a user verification module. A payment flow is completed through user direct payment, multiple-person verification payment, and multiple-person network payment.

Description

technical field [0001] The invention relates to the technical field of online payment, in particular to a mobile payment platform based on social relationship and LBS. Background technique [0002] (1) The payment market is developing rapidly [0003] Although Europe has encountered the worst financial crisis in history, the global payment transaction volume has achieved an average annual growth of 6.7% in the past five years (2005-2010) (BIS, (2012)), and maintained this level in 2010. This trend brought the total volume of non-cash transactions to 283 billion. The increase in the volume of non-cash transactions, on the one hand, is because the government and other financial institutions encourage the development of e-commerce in order to improve efficiency and reduce the cost of unnecessary cash flow; on the other hand, it is because of changes in people's consumption habits, such as gradually getting used to shopping online etc. Among them, even in the European and Ame...

Claims

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Application Information

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IPC IPC(8): G06Q20/02G06Q20/32G06Q20/42G06Q50/00H04L29/06H04L29/08
CPCH04L63/0869G06Q20/023G06Q20/3223G06Q20/3274G06Q20/42G06Q50/01H04L67/1001H04L67/52
Inventor 王森淼李旺刘浩张丽霞
Owner DALIAN UNIV OF TECH
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