Payment system and payment method

Abstract

The present invention discloses a payment system. The payment system comprises a mobile handheld terminal, a payment service system, a bank note service system and a message push system. The account of the mobile handheld terminal is a mobile phone number, the mobile phone number is a financial account of the possessor of the mobile handheld terminal, the mobile handheld terminal is configured tostart a payment request, the payment service system is configured to perform processing of the payment request of the mobile handheld terminal, perform payment to the mobile handheld terminal and upload the payment information to the bank note service system; and the bank note service system is configured to process the payment information to form bank note codes and send the bank note codes to other mobile handheld terminals. The payment system and the payment can complete payment to other people which just like sending a short message to other people, and can send money to one or more than one people at one time through the message push system so as to achieve that the short message channel and other information channels can be taken as fund transfer channels.

Description

【Technical field】 [0001] The invention relates to the field of network payment, in particular to a payment system and a payment method. 【Background technique】 [0002] The way of shopping based on the network platform has been generally accepted by consumers, so that online payment has become the main means of payment for people. The current Internet has evolved into the era of mobile Internet, so through mobile handheld terminals such as smart phones Online payment has been greatly developed. [0003] At present, there are mainly the following methods for payment through smartphones: [0004] 1. Use a smart phone to surf the Internet, log in to the web interface of a commercial bank, and then enter the bank account information and password and the account information of the other party to transfer money. This method is just to copy the PC online payment mode to the mobile phone, not only the steps Complicated, it is necessary to remember the bank account numbers of both p...

AI Technical Summary

Problems solved by technology

[0004] 1. Use a smart phone to surf the Internet, log in to the web interface of a commercial bank, and then enter the bank account information and password and the account information of the other party to transfer money. This method is just to copy the PC online payment mode to the mobile phone, not only the steps Complicated, it is necessary to remember the bank account numbers of both parties and perform various complex verifications, and because the operating systems and operating modes of various mobile phones are very different, which greatly increases the difficulty for users to use mobile handheld terminals to make payments, causing many people Abandon the use of smartphones and mobile handheld terminals for payment

[0005] 2. By implanting NFC chips and financial cards on the smartphone, the smartphone is turned into a wallet. When paying, the merchant provides the corresponding receiver, and the buyer takes the smartphone to complete the "swipe card" action. Realize convenient payment, although this method does not require entering difficult-to-remember bank account numbers, but requires other hardware devices besides smartphones to complete the transaction

[0007] There is a common problem in the above-mentioned existing technical solutions, that is, each payment can only be transferred or paid to one payee, and it cannot be batched or multiple people can transfer at one time. When paying or sending money to the other party at the same time, you need to operate one by one

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