Offline payment and exchange system based on electronic note

Abstract

The invention relates to an offline payment and exchange system based on an electronic note. The offline payment and exchange system is characterized by at least comprising three parts capable of performing data communication, including a POS cash registering system, a service center system and a mobile terminal. The POS cash registering system can interact with a user and a cashier and can also receive and process a transaction voucher. Meanwhile, data communication can be performed between the service center system and a business service provider. The mobile terminal is internally provided with a mobile terminal APP which can be controlled by the user for payment. Besides, the transaction voucher is adopted to act as a medium so that rapid transaction verification between the mobile terminal and a payment terminal can be performed. Meanwhile, online and offline payment modes are provided so as to meet the transaction requirements of different clients. More importantly, the widely distributed business cooperators can act as effective transaction cash registering points so that payment can be completed at any business cooperators by the user.

Description

technical field [0001] The invention relates to an exchange system, in particular to an electronic note-based offline payment exchange system. Background technique [0002] In the entire process of commercial activities, payment is only one link. From our complete understanding of payment, it includes three major processes: pre-payment, payment and post-payment. Before and after payment, there is no particular relationship with the flow of funds, but it is a very important part of the information flow in our e-commerce. In the information flow, there is the interaction between our users and merchants on consumer services and products. What is more important? That is, the two parties must reach a cooperation intention on the payment that is about to be completed. After the payment is completed, the two parties need to produce a voucher for the payment that can be compared with each other, which involves the issue of bills. [0003] At the same time, the existing bills are ...

AI Technical Summary

Problems solved by technology

However, most of the current consumer cards can only be used for physical store consumption, not online consumption, with single functions and poor security; secondly, most consumer cards are ferromagnetic information cards, and improper storage will cause degaussing. After degaussing, it can no longer be used, which will cause certain economic losses; third, the balance and consumption records of such cards can only be queried on specific devices, lacking third-party supervision, and poor transparency

At present, most online consumption needs to use bank cards to transfer funds. For the sake of safety, a large amount of verification information needs to be entered, which is relatively troublesome to use.

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