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Transaction data processing method, transaction data processing system and terminal

A processing method and technology of transaction data, applied in the computer field, can solve problems such as lack of consumers

Pending Publication Date: 2021-12-24
CHINA UNIONPAY
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] At present, there is a lack of solutions for consumers not to enter their transaction passwords on other people's mobile phones (merchant mobile phones)

Method used

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  • Transaction data processing method, transaction data processing system and terminal
  • Transaction data processing method, transaction data processing system and terminal
  • Transaction data processing method, transaction data processing system and terminal

Examples

Experimental program
Comparison scheme
Effect test

no. 1 approach

[0143] image 3 It is a schematic flowchart showing the transaction data processing method of the first embodiment of the present invention.

[0144] In the first embodiment, the transaction data processing method implemented between the merchant and the consumer through the mobile phone of the consumer and the mobile phone of the merchant is taken as an example for description.

[0145] Such as image 3 As shown, the transaction data processing method of the first embodiment of the present invention includes the following steps:

[0146] Step S101: the consumer uses the bank card to swipe the card on the mobile phone of the merchant;

[0147] Step S102: The merchant's mobile phone displays a password keyboard, requiring input of a password;

[0148] Step S103: The consumer does not enter the password on the merchant's mobile phone, but "touches" the consumer's mobile phone with the merchant's mobile phone (that is, triggers an NFC event);

[0149] Step S104: Bluetooth pai...

no. 2 approach

[0178] Next, a transaction data processing method and a transaction data processing system according to a second embodiment of the present invention will be specifically described.

[0179] Figure 7It is a schematic flowchart showing the transaction data processing method of the second embodiment of the present invention.

[0180] In the second embodiment, the transaction data processing method implemented between the merchant and the consumer through the mobile phone of the consumer and the mobile phone of the merchant is used as an example for illustration. The difference from the first embodiment is that instead of the NFC trigger method, two QR code scanning trigger method.

[0181] Such as Figure 7 As shown, the transaction data processing method of the second embodiment of the present invention includes the following steps:

[0182] Step S201: the consumer uses the bank card to swipe the card on the mobile phone of the merchant;

[0183] Step S202: The merchant's m...

no. 3 approach

[0207] Next, a transaction data processing method and a transaction data processing system according to a third embodiment of the present invention will be specifically described.

[0208] The difference between the third embodiment and the first embodiment is that instead of sending the transaction message to the merchant's mobile phone via Bluetooth, the transaction message is sent from the consumer's mobile phone to the server.

[0209] Such as Figure 9 As shown, the transaction data processing method of the third embodiment of the present invention includes the following steps:

[0210] Step S301: the consumer uses the bank card to swipe the card on the mobile phone of the merchant;

[0211] Step S302: The merchant's mobile phone displays a password keyboard, requiring input of a password;

[0212] Step S303: "touch" the consumer's mobile phone with the merchant's mobile phone (that is, trigger an NFC event);

[0213] Step S304: Bluetooth pairing is realized between th...

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PUM

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Abstract

The invention relates to a transaction data processing method. The method comprises the steps that a first terminal generates a transaction password input requirement; a first communication channel is established between the first terminal and the second terminal based on the first trigger event, and label information of the first terminal is sent to the second terminal from the first terminal through the first communication channel; a second channel is built between the first terminal and the second terminal based on communication connection information contained in the label information; based on the trigger event, a password keyboard of the second terminal is aroused, and the password keyboard is used for a user to input a transaction password; a transaction password input from the password keyboard is sent to the first terminal through the second communication channel; and the first terminal completes the transaction based on the obtained transaction password. According to the invention, the transaction can be completed by inputting the password at the user terminal without inputting the password at the merchant terminal.

Description

technical field [0001] The invention relates to computer technology, in particular to a transaction data processing method, a transaction data processing system and a terminal. Background technique [0002] In the prior art, some mobile wallets have integrated mobile POS functions. The merchant uses the mobile wallet on the mobile phone, uses the merchant's mobile phone as the mobile POS, and enters the transaction amount to initiate payment. The consumer swipes the bank card on the merchant's mobile phone, and the mobile POS pops up a password keyboard. The consumer needs to enter the transaction password on the merchant's mobile phone. figure 1 It is a schematic diagram showing the situation of inputting the transaction password on the mobile phone of the merchant in the prior art. [0003] At the current stage, there is a lack of solutions for consumers not to enter their transaction passwords on other people's mobile phones (merchant mobile phones). Contents of the in...

Claims

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Application Information

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IPC IPC(8): G06Q20/20G06Q20/38G06Q20/40G06Q20/32
CPCG06Q20/206G06Q20/3829G06Q20/4014G06Q20/3274G06Q20/3276G06Q20/3278
Inventor 钱进郭伟祖立军
Owner CHINA UNIONPAY