Multi-mode mobile payment terminal, payment method and system

Abstract

The invention discloses a payment method which comprises: after a payment side and a receiving side come to trade details, a multimode mobile phone payment user equipment (MMPUE) generates an initial electronic contract according to the trade details and transmits the initial electronic contract to a payment side mobile terminal; the payment side mobile terminal transmits confirmation information after receiving and confirming the initial electronic contract, and the MMPUE transmits information containing the confirmation information and a final electronic contract to a business operation server; and the business operation server completes money deduction after receiving the information. The invention simultaneously discloses the MMPUE and a payment system. By means of the MMPUE, the payment method and the payment system, payment safety and user experience can be improved.

Description

technical field [0001] The present invention relates to mobile e-commerce technology, in particular to a multi-mode mobile phone payment terminal (MMPUE, MultiMode mobile phone Payment User Equipment), payment method and system. Background technique [0002] With the rapid development of modern technology, people's life has become more and more convenient and fast. At present, there are mainly two payment methods for consumer payment for on-site transaction purchases, including: cash payment and bank card payment. Among them, cash payment requires the payer to carry a large amount of cash, which will cause the payer to move inconveniently, and the cash carried is easy to lose; bank card payment also requires the payer to carry a bank card connected to the terminal card device. [0003] The mobile phone is an indispensable communication tool in people's life. The mobile phone has the keyboard input function, as well as the screen and text display function. The combination of...

AI Technical Summary

Problems solved by technology

[0008] First, the transaction standards of operators are not uniform, and consumers can only choose one method provided by one operator to open mobile payment services;

[0009] Second, it is troublesome to open the service, and the SIM card of the consumer's mobile phone needs to be upgraded to open the service;

[0010] Third, consumers' mobile phones only have a single function of swiping cards, that is, payment functions, and lack the function of interaction between merchants and consumers. For example, when merchants and consumers disagree, they cannot be resolved through mobile phones. differences between

[0011] Fourth, the operation is troublesome, business transactions lack flexibility, and the security is low. In this way, the user experience is poor. Specifically, because the information sent by most mobile phones is all clear codes, the security of mobile payment is low, and through SMS payment, due to storage and other reasons, the SMS cannot be forwarded in time, resulting in stagnation of capital flow and logistics

[0012] In addition, due to the current payment terminals, that is, the payment servers of various operators, the standards adopted are not uniform. Therefore, merchants are not very enthusiastic about active deployment, and the early deployment mainly depends on operators. , long revenue cycle

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