Electronic transaction settlement processing method and system for quick pass payment

Abstract

The invention discloses an electronic transaction settlement processing system for quick pass payment, and the system comprises a transaction terminal which comprises a quick pass transaction module and an account checking APP. The invention also discloses an electronic transaction settlement processing method for quick-pass payment, and the method comprises the following steps: S1, inserting a quick-pass bank card into a quick-pass transaction module of a transaction terminal, and obtaining the information of the quick-pass bank card through the reading of the bank card by the quick-pass transaction module; according to the invention, by setting the account checking APP, a merchant can log in and check through the account checking APP, so that the merchant can conveniently receive daily transaction money in a registered bank account after transaction settlement and timely know whether the amount of money reaches the account or not; and meanwhile, the transaction information can be stored and processed by adopting two modes of the electronic certificate and the invoice certificate, so that even if the invoice certificate is discarded, goods returning and changing processing can be carried out by virtue of the electronic certificate, and the consumption of the customer is facilitated.

Description

technical field [0001] The invention relates to the technical field of electronic transaction settlement processing, in particular to a method and system for electronic transaction settlement processing of QuickPass payment. Background technique [0002] QuickPass is one of the industry brands of China UnionPay, which marks UnionPay contactless payment products and is used in payment applications such as PBOC2.0 contactless IC cards, and has the characteristics of small-amount fast payment. The user purchases goods or services, confirms the corresponding amount, and uses a financial IC card with the "Quick Pass" function (with the words "QuickPass" in Chinese and "QuickPass" in English)[1] or UnionPay mobile payment products. On the contactless payment terminal of "QuickPass", payment can be completed quickly with a simple swipe. [0003] Generally speaking, the single amount does not exceed 1,000 yuan, and no password and signature are required. Contactless "QuickPass" te...

AI Technical Summary

Problems solved by technology

[0005] At present, the POS machine used in common electronic transactions is very inconvenient for users during use. After the merchant completes the transaction, because the POS machine does not have the function of checking accounts, the merchant cannot know whether the amount has been credited in time. At the same time, POS can only print out the invoice certificate, and the way of invoice certificate is often discarded by consumers, which is not conducive to the later return processing of consumers.

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