Mobile financial management system based on cloud service and transaction method

A management system and content management system technology, applied in cloud-based mobile financial management systems and transaction fields, can solve problems such as huge development space

Inactive Publication Date: 2016-12-21
四川长虹通信科技有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] To sum up, a sound mobile financial management system is imminent, and there is huge room for development

Method used

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  • Mobile financial management system based on cloud service and transaction method
  • Mobile financial management system based on cloud service and transaction method
  • Mobile financial management system based on cloud service and transaction method

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0051] Such as Figure 1-Figure 3 as shown,

[0052] Such as figure 1 As shown, a mobile financial management system and method based on cloud services, including:

[0053] A mobile financial management system based on cloud services, characterized in that it includes: a terminal system and a cloud system that exchange information with each other,

[0054] The terminal system includes a customized mobile terminal for users, a mobile terminal for merchants, and a mobile terminal for housekeepers that exchange information with each other.

[0055] The cloud system includes a management system, a business system, and an operation system for exchanging information;

[0056] in:

[0057] A professional bank U-shield chip is integrated in the mobile terminal of the customized user version: during transaction payment, it is used to provide the customized user with U-shield identity authentication to form payment information for U-shield identity authentication;

[0058] The mercha...

Embodiment 2

[0087] to combine figure 1 and figure 2 As shown, based on a transaction method of a mobile financial management system based on cloud services,

[0088] The management system includes a customer management system, a content management system, and a marketing management system. The customer management system includes a user management system and a merchant management system. The business system is mainly connected to the bank to complete the payment process. The management system is connected to the business system by sending payment to the business system. message to complete the payment process, such as image 3 As shown, the payment message includes the user ID, merchant ID, and payment information sent to the business system;

[0089] Its operation is:

[0090] S1 customizes the mobile terminal of the user version to initiate a commodity purchase process to the management system and submit payment information;

[0091] S2: In the management system, the user management...

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Abstract

The invention discloses a mobile financial management system based on a cloud service and a transaction method. By utilizing the existing safest USB key identity authentication, a bank USB key chip and a user edition mobile terminal are combined together to form a customized user edition mobile terminal, so that the terminal has a USB key identity authentication function; USB key identity authentication is provided for a user to form payment information subjected to USB key identity authentication; then a cloud end system and a bank system are combined to authenticate the payment information subjected to USB key identity authentication so as to fulfill the aim of safe payment; and moreover, a safe bank USB key chip is installed in a customized edition user terminal system, and thus, a financial product purchasing activity can be completed instantaneously, is not limited to time and space, and is more convenient and rapid. Meanwhile, according to the mobile financial management system and the transaction method which are disclosed by the invention, by arranging a merchant edition terminal and a housekeeper edition terminal, information interaction among a bank worker, a user and a merchant is formed, and an effective communication channel is provided for three objects.

Description

technical field [0001] The invention relates to the security field of transaction systems, in particular to a cloud service-based mobile financial management system and a transaction method. Background technique [0002] With the popularization of smart phones, all people have entered the era of fingertips. Mobile Internet finance has developed explosively in the past two years. With the rapid development of mobile Internet, mobile financial management has gradually become a common investment and financial management method for consumers. In 2014, the network usage rate of Internet wealth management applications soared to 10.1% within one year, and the number of users reached 63.83 million, growing rapidly. In 2015, the scale of China's Internet wealth management market was close to 2 trillion yuan. On the other hand, with changes in lifestyle, people spend more and more fragmented time, which creates a greater demand for mobile finance. Nowadays, users prefer to choose se...

Claims

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Application Information

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IPC IPC(8): G06Q20/40G06Q20/32G06Q20/38
CPCG06Q20/401G06Q20/322G06Q20/382
Inventor 毕敏欧阳卫华
Owner 四川长虹通信科技有限公司
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