Online-offline mobile payment service platform

Abstract

The invention belongs to the field of payment technology and particularly relates to an online-offline mobile payment service platform. The platform comprises a payment card containing a certain payment amount, a management server used for storing information associated with payment and processing a payment request, an offline payment device used for reading a two-dimensional code and submitting a transaction request to the management server, an electronic data capture machine and a mobile terminal provided with a two-dimensional code application module, wherein the two-dimensional code application module recognizes the two-dimensional code of the payment card, binds the payment card to the mobile terminal, sets a payment password, inputs and recognizes a fingerprint and manages the payment card; and a WeChat two-dimensional code and a tag of a cardholder are pasted to the front wall of the payment card. Through the online-offline mobile payment service platform, online and offline payment through the payment card can be realized, so that payment is convenient; and moreover, the WeChat two-dimensional code of the cardholder is arranged on the payment card, a card pickup person can contact the owner through WeChat, and the situation that the payment card cannot be found after being lost is avoided.

Description

technical field [0001] The invention belongs to the technical field of payment, in particular to an online and offline mobile payment service platform. Background technique [0002] With the rapid development of e-commerce, more and more consumers like to consume online. In response to this business trend, more and more merchants are opening online stores on the Internet while opening physical stores. Merchants are promoting themselves. Sometimes, they often attract customers by selling their shop consumption cards to customers at low prices; in addition, more and more companies also issue benefits to employees in the form of issuing consumption cards instead of issuing physical goods in the past. 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 degaus...

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, improper storage will cause degaussing, After degaussing, it can no longer be used, which will cause certain economic losses. Third, there is no contact information on the consumption card, and it is not easy to retrieve it after it is lost, so that the amount in the consumption card cannot be used for consumption, causing certain economic losses.

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