Centerless multi-bank shared mobile payment system and payment method thereof

Abstract

The invention provides a centerless multi-bank shared mobile payment system comprising a mobile banking client, an acquiring merchant terminal, a merchant service platform, and an acquiring bank system. The mobile banking client is connected with the acquiring merchant terminal, the acquiring merchant terminal is connected with the merchant service platform, and the merchant service platform is connected with the acquiring bank system. The acquiring merchant terminal comprises an order input module used for inputting order information, a payment information generation module connected with the order input module and used for receiving the information of the order input module and generating payment information, and a communication module connected with the order input module and the payment information generation module and used for transaction information interaction and transmission. The mobile banking client acquires and identifies payment information of the acquiring merchant terminal to complete transaction. A merchant resource and payment environment shared by multiple commercial banks is realized. The cost of payment through mobile banking is lowered.

Description

technical field [0001] The present invention relates to the technical field of mobile payment, in particular to a mobile communication smart phone-based decentralized multi-line shared mobile payment system and a payment method thereof. Background technique [0002] With the development of mobile Internet and mobile banking business, China has more than 600 million mobile banking users. The huge number of mobile banking users is the most valuable resource of banks in the Internet era, and more and more users accept mobile banking. Convenience service provided. [0003] "Mobile banking" is the abbreviation for using mobile smart terminals to handle banking-related business. It is a channel for banks to realize electronic services and an e-commerce service on mobile communication networks. The mobile phone of the customer is connected to the bank through the mobile communication network, and the mobile bank uses the mobile phone interface to directly complete various financia...

AI Technical Summary

Problems solved by technology

The existing mobile banking clients can only complete the bank's financial services such as transfer, inquiry, payment, credit card repayment, etc., and cannot realize the sharing of merchant resources among multiple banks. Therefore, it is difficult for the existing mobile banking payment to form scale and competitiveness

[0007] 2. Lack of offline personalized service

Due to the constraints of technology, process, partners, etc., mobile banking business is mainly based on online transactions, and lacks personalized services for offline cooperation with third parties such as restaurants, movie theaters, and airlines.

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