Method for providing added value function for mobile phone payment

Abstract

The invention discloses a method for providing added value function for mobile phone payment, relating to functional departments of a service cloud end, a merchant, consumers, banks, industry and commerce, commodity price, quality inspection, tax and the like. By utilizing the technologies of digital certificates, mobile phone payment, computer programs, cloud computation and the like, consumption rights and interests browsing and checking processing procedures are intervened before the mobile phone application program of a mobile terminal confirms payment, and the processing procedures are realized through coordinating the business application program of communication network and business terminal and cloud service program at a cloud side by the mobile phone application program of the mobile terminal, thereby helping consumers protect the consumption rights and interests while realizing mobile phone mobile payment, further helping the consumers claiming electronic invoices, and even further, being capable of helping the consumers conduct personal charge without input.

Description

technical field [0001] The invention relates to the fields of digital certificates, mobile payment, computer programs and cloud computing, in particular to a method for providing value-added functions for mobile payment. Background technique [0002] With the development and popularization of mobile phones, especially smart phones, the functions of mobile phones are becoming more and more powerful. For example, there are many ways to use mobile phones to realize payment. The known mobile payment method using asymmetric key encryption and decryption technology on mobile phones is An advanced form of payment service, it is actually the storage and application of digital certificates on mobile phones. Specifically, the payment information is signed with a private key, and finally the payment information and signature are submitted to the cloud payment platform (cloud) for fund transfer. change. [0003] The above-mentioned asymmetric key encryption and decryption technology ha...

AI Technical Summary

Problems solved by technology

[0009] However, it is a waste for consumers who do not reimburse for the lottery to get paper invoices, which does not conform to the low-carbon environmental protection policy;

[0010] The piles of pasted paper invoices that have been reimbursed add to the company's finances and increase storage costs, etc.

[0011] On the other hand, many consumers have the need to track and keep accounts for their daily consumption, so there are some public mobile phone applications used to help consumers record consumption records, such as "Suitable Notes", which is a very convenient personal record Accounting software, but it is separate from the mobile payment function and cannot be linked. Its accounting still needs to manually enter the amount of each consumption at least, and it cannot be fully automatic

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