Financial Acquiring Method Based on Dual Security Channels

Abstract

The invention discloses a financial order-receiving method based on double secure channels and relates to the field of financial order receiving. The method comprises the steps of utilizing order-receiving software to scan order codes consumers need to pay, calling out order information, and prompting the consumers to swipe cards; utilizing the order-receiving software to send order-receiving payment request to an order-receiving service platform after the consumers swipe the cards; enabling the order-receiving service platform to send request for inputting payment passwords to an interactive voice response (IVR) voice platform, and enabling the IVR voice platform to actively call a voice communication device of the consumers after verification; enabling the consumers to input the payment passwords through voice communication device keys after answering, and enabling the IVR voice platform to obtain the payment passwords and send the payment request to the order-receiving service platform; enabling the order-receiving service platform to verify that payment request Internet protocol (IP) addresses are legal, the payment passwords are correct and orders are effective, assembling messages according to the POS (point of sale) standard, submitting to a Unionpay POS center or a POSP (POS platform), and finishing order-receiving transaction. The financial order-receiving method is suitable for outside order-receiving commercial tenants and micro commercial tenants, and is low in cost and good in safety experience.

Description

technical field [0001] The invention relates to the field of financial acquiring, in particular to a method for financial acquiring based on double safety channels. Background technique [0002] Traditional POS (Point Of Sale, sales terminal) terminal equipment is an essential and key part of the acquiring business, and it is a security device that enables consumers to swipe their cards for consumption at contracted merchants. Traditional POS terminals are connected to UnionPay POS center or POSP (POS front-end system) through telephone Modem (modem) dialing, Ethernet access, GPRS (General Packet Radio Service, general packet radio service technology) and other mobile Internet forms, and pass ISO (International Organization for Standardization or International Standard Organized, International Organization for Standardization) 8583 message specification for communication. The POS terminal using the telephone modem needs to occupy a fixed line for a long time, and it needs t...

AI Technical Summary

Problems solved by technology

[0005] (1) Traditional POS terminal equipment is generally based on embedded terminals or PCs, after customization, transformation, and development. It is large in size and difficult to move. It is often suitable for relatively fixed places in stores, and merchants frequently go out to receive orders. occasions that are difficult to apply

[0006] (2) The cost of traditional POS terminal equipment and handheld POS terminal equipment based on GPRS mobile Internet is relatively high, which is suitable for merchants with certain economic strength, but not suitable for a large number of small and micro merchants

[0007] (3) The software customization development cycle of traditional POS terminal equipment is long, and the software and firmware upgrades are slow, which cannot keep up with the pace of mobile Internet development in the 3G era, which is not conducive to the rapid development of new businesses

[0008] (4) When the user swipes the bank card on the merchant's POS device, he must enter the bank card password. All of this information is concentrated on the merchant's device, which will reduce the user's sense of security

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