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Safe simple mobile electronic transaction system and mode

A mobile electronic and security technology, applied in the direction of payment architecture, equipment, data processing applications, etc., can solve the problems of mobile electronic transaction systems that have not been made public, and achieve the effects of reducing insecurity, increasing speed and real-time performance

Inactive Publication Date: 2016-08-24
林晓真
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

Most of the payment terminals use relatively expensive equipment such as POS machines
The payment and collection terminals are relatively cheap mobile devices such as mobile phones, and the mobile electronic transaction system that uses data lines to directly transmit transaction data between terminals has not been made public so far.

Method used

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  • Safe simple mobile electronic transaction system and mode

Examples

Experimental program
Comparison scheme
Effect test

Embodiment Construction

[0014] Demonstration of mobile electronic transaction process

[0015] The payer transmits the payment request to the payee—>The payee transmits confirmation information to the payer—>The payer confirms—>The payer transmits a request to reduce the available amount of the account to the payment platform—>The payment platform transmits confirmation information to the payer ——> Confirmation by the payer ——> The payment platform reduces the available amount of the payer’s account and sends a notification of the result of reducing the available amount of the account to the payer —> The payer sends a notification of the result of reducing the available amount of the account to the payee —> Collection Send a request to increase the available amount of the account to the payment platform --> The payment platform sends a confirmation message to the payee --> The payee confirms --> The payee sends a notification to the payment platform that the payer has reduced the available amount of t...

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PUM

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Abstract

The invention discloses a simple safe mobile electronic transaction system and mode. Terminals in the mobile electronic transaction system are cheap mobile devices as a smart phone, and an expensive gathering terminal as a POS machine is not needed. Two mobile electronic transaction terminals are connected via neither the Internet nor near-field transmission as NFC, insecurity of transaction data transmission is greatly reduced, the speed and instantaneity of transaction data transmission are greatly improved, and it is not required to change a present mobile phone or hardware of other mobile devices. Thus, the mobile electronic transaction system is safe and simple. Electronic transaction can be conducted between users of two smart phones or other mobile devices very easily, great convenience is provided for customers and different scales of merchants, and the system can prompt popularization of mobile electronic transaction.

Description

Technical field: [0001] The invention discloses a safe and simple mobile electronic transaction system and method, belonging to the technical field of network and mobile communication applications. Background technique: [0002] Most of the terminals of mobile electronic trading systems currently in use or trial use the Internet or short-distance transmission to transmit transaction data between terminals, and the transaction data may be stolen or altered during the transmission process. Most of the payment terminals use relatively expensive equipment such as POS machines. The payment and collection terminals are relatively cheap mobile devices such as mobile phones, and the mobile electronic transaction system that uses data lines to directly transmit transaction data between terminals has not been made public so far. The mobile electronic transaction system disclosed by the invention is safe and simple. Invention content: [0003] The invention discloses a safe and sim...

Claims

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Application Information

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IPC IPC(8): G06Q20/32G06Q20/42
Inventor 林晓真
Owner 林晓真
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