TWI841835B - Payment system and method for controlling area payment terminal through mobile device and computer readable medium thereof - Google Patents

Abstract

The present invention is a payment system for controlling area payment terminal through mobile device and a method thereof. A transaction data obtained by a mobile device is sent to an area payment terminal. After the legitimacy of the mobile device is verified by the area payment terminal, the transaction data is sent to a payment server. After the legitimacy of the mobile device is verified and the authority of the area payment terminal is confirmed, the transaction data is send to a financial institution by the payment server. After the transaction is processed to generate a transaction result by the financial institution, the transaction result finally is sent to the mobile device for the customer and shop assistant to confirmation. Accordingly, since the mobile device has the characteristics of low price and flexibility in the payment field, the present invention can achieve the purpose of reducing the construction cost of the payment system and making the deployment of the payment field more flexible. A computer-readable medium for implementing a payment method for controlling area payment terminal through mobile device is further provided in the present invention.

Description

Payment system, method and computer-readable medium for controlling a regional payment terminal via a mobile device

The present invention relates to mobile payment technology, and more particularly to a payment system, method and computer-readable medium for controlling a regional payment terminal via a mobile device.

In recent years, the payment methods that consumers can choose after purchasing goods have become more and more diverse, from traditional cash and credit card payments to various mobile payments today, such as inductive payment or QR code scanning payment. For example, convenience stores are one of the places where people often consume. Such consumption places provide people with inductive payment and QR code scanning payment. Among them, QR code scanning payment is that the customer presents the QR code on the mobile device for the store to use the scanning device to scan the code to achieve the purpose of payment. However, if small stores want to replicate this payment scenario, they must pay a very high construction cost.

In addition, since there are many payment methods available to consumers, offline stores need to constantly update and adjust payment equipment to cope with various payment scenarios. However, the payment routes of offline stores are limited by the fact that terminal payment equipment is usually fixed, which often causes long queues. Therefore, when applying for terminal payment equipment, stores often need to apply for multiple devices due to the flow of people or venue restrictions in the store, which will increase costs and make equipment maintenance difficult. Or, when facing multiple payment methods, stores also need to set up multiple corresponding terminal payment equipment. From the above, it can be seen that in the face of the problems of offline store payment routes and payment mechanisms, payment providers must propose various solutions.

In summary, if a mobile payment mechanism can be found, especially if payment equipment is installed at the store end that can provide services for various payment methods, while reducing the construction cost of payment equipment and making the deployment of payment venues more flexible and scalable, this will become the goal that people in this technical field are eager to pursue solutions for.

In view of the above problems, the present invention proposes a payment system for controlling a regional payment terminal through a mobile device, comprising: a mobile device for obtaining transaction data, and transmitting the mobile device data of the mobile device and the obtained transaction data; a regional payment terminal for receiving the mobile device data and the transaction data from the mobile device, and transmitting the equipment data of the regional payment terminal, the equipment data of the regional payment terminal, and the equipment data of the regional payment terminal after successfully verifying the mobile device according to the mobile device data. The mobile device data and the transaction data; and the payment server is used to receive the mobile device data, the transaction data and the equipment data from the regional payment terminal, and after the mobile device and the regional payment terminal are successfully verified according to the mobile device data and the equipment data, the transaction data is transmitted to the financial institution end, so that the financial transaction is executed at the financial institution end to generate a transaction result, and the payment server forwards the transaction result to the mobile device.

In one embodiment, the mobile device includes a data acquisition module, a transaction data encryption and decryption module, a network module, and a display module, wherein the data acquisition module is used to capture transaction tool information as part of the transaction data, the transaction data encryption and decryption module is used to encrypt the mobile device data and the transaction data before the mobile device transmits the mobile device data and the transaction data, the network module is used to provide a network connection for data transmission, and the display module is used to display the transaction result.

In one embodiment, the data capture module is a lens or a credit card reading device.

In one embodiment, the regional payment terminal includes an identity verification module, a transaction encryption module and a terminal connection module, wherein the identity verification module is used to obtain the mobile device data to verify the mobile device, the transaction encryption module is used to encrypt the device data, the mobile device data and the transaction data before the regional payment terminal transmits the device data, the mobile device data and the transaction data, and the terminal connection module is used to provide network connection and data transmission.

In one embodiment, the payment server includes a device verification module, an integrated transaction module, and a server connection module, wherein the device verification module is used to obtain the mobile device data and the equipment data to verify the mobile device and the regional payment terminal, the integrated transaction module is used to confirm the transaction category of the transaction data to convert the transaction data into actual financial transaction content, and the server connection module is used to transmit the actual financial transaction content to the financial institution end and receive the transaction result from the financial institution end.

The present invention further proposes a payment method for controlling a regional payment terminal through a mobile device, which includes: obtaining transaction data through a mobile device; causing the mobile device to transmit the mobile device data and the transaction data of the mobile device to the regional payment terminal; after the regional payment terminal successfully verifies the mobile device according to the mobile device data, transmitting the device data of the regional payment terminal, the mobile device data and the transaction data to the payment server; and after the payment server successfully verifies the mobile device and the regional payment terminal according to the mobile device data and the device data, transmitting the transaction data to the financial institution end, so as to generate a transaction result after executing a financial transaction at the financial institution end, and then transmitting the transaction result back to the mobile device after returning the transaction result to the payment server.

In one embodiment, the transaction data includes customer payment information and transaction information recording the content of the transaction.

In one embodiment, the mobile device encrypts the mobile device data and the transaction data before transmitting the mobile device data and the transaction data.

In one embodiment, the regional payment terminal encrypts the device data, the mobile device data and the transaction data before transmitting the device data, the mobile device data and the transaction data.

In one embodiment, the payment server stores the transaction data from the regional payment terminal and the transaction results from the financial institution.

The present invention further proposes a computer-readable medium, which is applied to a computing device or a computer and stores instructions for executing any of the aforementioned payment methods for controlling a regional payment terminal through a mobile device.

In summary, the payment system, method and computer-readable medium of the present invention for controlling a regional payment terminal through a mobile device obtains the transaction data of the customer through the mobile device, and then verifies the legitimacy of the mobile device through the regional payment terminal to transmit the transaction data to the payment server. Then, after verifying the legitimacy of the mobile device and determining the authority of the regional payment terminal, the payment server transmits the transaction data, the equipment data of the regional payment terminal and the mobile device data to the payment server. After the payment server confirms that the source is correct, the transaction data is transmitted to the financial institution end that actually performs the payment. After the financial institution end pays the transaction corresponding to the transaction data, the transaction result is returned to the mobile device through the payment server for the customer and the store to confirm the transaction result. Accordingly, the present invention provides users with the ability to conduct transactions through mobile devices, which are inexpensive and highly mobile in the payment field. Therefore, the present invention can achieve the purpose of reducing the construction cost of the payment system and making the deployment of the payment field more flexible. In addition, the present invention only needs to further increase the number of mobile devices, so that after the regional payment terminal and the payment server complete the verification, the device expansion can be carried out without re-applying for other regional payment terminals, which can also achieve the effect of convenient device expansion.

10: Mobile devices

11: Data acquisition module

12: Transaction data encryption and decryption module

13: Network module

14: Display module

20: Regional payment terminal

21: Identity verification module

22: Transaction encryption module

23: Terminal connection module

30: Payment server

31: Device verification module

32: Integrated trading module

33: Server connection module

401~410: Process

501~512: Process

S301~S304: Steps

Figure 1 is a system architecture diagram of the payment system of the present invention that controls the regional payment terminal through a mobile device.

Figure 2 is an internal architecture diagram of the mobile device, regional payment terminal and payment server in the system described in the present invention.

Figure 3 is a step diagram of the payment method of the present invention for controlling the regional payment terminal through a mobile device.

Figure 4 is a specific flow chart of the payment method described in the present invention.

Figure 5 is a timing diagram of the payment method described in the present invention in one embodiment.

The following describes the technical content of the present invention through a specific concrete implementation form. People familiar with this technology can easily understand the advantages and effects of the present invention from the content disclosed in this manual. However, the present invention can also be implemented or applied through other different specific implementation forms.

FIG1 is a system architecture diagram of the payment system of the present invention that controls the regional payment terminal through a mobile device. As shown in the figure, the payment system of the present invention includes a mobile device 10, a regional payment terminal 20, and a payment server 30. In short, the present invention uses the mobile device 10 to obtain the transaction data of the client, and then transmits it to the regional payment terminal 20. After verifying that the mobile device 10 is legal, the regional payment terminal 20 transmits the transaction data to the payment server 30. After verifying that the regional payment terminal 20 and the mobile device 10 are legal and authorized, the payment server 30 requests the financial institution such as the payment bank to perform the payment behavior, and returns the transaction result corresponding to the payment behavior, so that the mobile device 10 displays the transaction message of the transaction result for the customer to know. The relevant description is described in detail below.

The mobile device 10 is used to obtain transaction data including the payment method and transaction details of the client. The mobile device 10 can be a smart phone or tablet computer with a camera. Furthermore, the mobile device 10 has mobile device data that can be identified or verified, such as a mobile phone number or a mobile device code. In one embodiment, the mobile device 10 may be installed with an application (Application, APP) corresponding to the payment system of the present invention, and the mobile device data may be a unique code or a random code provided by the APP installed in the mobile device. Accordingly, when the customer provides a scan payment such as a QR Code, the QR Code used for payment is scanned by the mobile device 10 to obtain the transaction data of the customer. Then, the mobile device 10 transmits the mobile device data of the mobile device 10 and the obtained transaction data to the regional payment terminal 20 for subsequent procedures. In addition, the mobile device 10 may first encrypt the mobile device data and transaction data, and then transmit the encrypted mobile device data and transaction data to the regional payment terminal 20.

When the transaction is in progress, the mobile device 10 is connected to the regional payment terminal 20, and the regional payment terminal 20 receives the mobile device data and transaction data transmitted by the mobile device 10. After receiving the data, the regional payment terminal 20 will first retrieve the mobile device data to verify the legitimacy of the mobile device 10 using the mobile device data. That is, the regional payment terminal 20 first identifies whether the mobile device 10 is its own. The corresponding device, after which the regional payment terminal 20 verifies that the mobile device 10 is an identifiable legal device, executes the subsequent payment procedure, wherein the regional payment terminal 20 has a device data for providing identification or verification, so that after the verification of the mobile device 10 is successful, the device data, the mobile device data of the mobile device 10 and the transaction data of the client are transmitted to the payment server 30 through the network. In addition, the regional payment terminal 20 can encrypt the device data, the mobile device data and the transaction data in advance before transmitting them to ensure that the data is not stolen or cracked.

In one embodiment, the local payment terminal 20 and the mobile device 10 are connected via wireless transmission technologies such as Bluetooth or wireless network (WiFi). Taking Bluetooth technology as an example, the mobile device 10 and the local payment terminal 20 each have a Bluetooth transmission mechanism for short-distance data transmission.

After the payment server 30 receives the mobile device data, transaction data and equipment data transmitted by the regional payment terminal 20, if the mobile device data, the transaction data and the equipment data are encrypted, the data is first decrypted to obtain the mobile device data of the mobile device 10 and the equipment data of the regional payment terminal 20. Afterwards, the payment server 30 performs a decryption operation on the mobile device 10 and the equipment data of the regional payment terminal 20 respectively according to the mobile device data and the equipment data. The regional payment terminal 20 performs verification to confirm the legitimacy of the mobile device 10 and the regional payment terminal 20. After successful verification, the payment server 30 transmits the transaction data to the financial institution end that provides payment behavior. After the financial institution end executes the financial transaction, a transaction result is generated, and the financial institution end returns the transaction result to the payment server 30. The payment server 30 then transmits the transaction result to the corresponding mobile device 10.

Figure 2 is an internal structure diagram of the mobile device, regional payment terminal and payment server in the system described in the present invention. Please refer to Figure 1 together. The internal components of the mobile device 10, regional payment terminal 20 and payment server 30 will be further described here.

The mobile device 10 includes a data capture module 11, a transaction data encryption and decryption module 12, a network module 13, and a display module 14. In one embodiment, the data capture module 11 can be a camera or a credit card reader, and is used to capture the transaction tool data of the customer. For example, taking the aforementioned QR code scanning payment as an example, the data capture module 11 is a camera installed on the mobile device 10, which can capture the QR code displayed on the customer's smart phone for payment. Code; the transaction data encryption and decryption module 12 is used to encrypt the mobile device data of the mobile device 10 and the transaction data of the client, that is, to encrypt and decrypt the transaction data such as the customer's transaction content information, transaction tools and transaction status; the network module 13 is a near-end network connection module that provides a point-to-point network connection, which is used for transaction data transmission. According to this, after the mobile device 10 obtains the customer's transaction data, The network module 13 can be connected to the regional payment terminal 20 through, for example, Bluetooth wireless transmission technology, so as to transmit the mobile device data and transaction data to the regional payment terminal 20; in addition, the mobile device 10 further includes a display module 14, which can display the captured customer transaction data through the display module 14 for the user to check or confirm the transaction data, and can also be used to display subsequent transaction results.

The regional payment terminal 20 includes an identity verification module 21, a transaction encryption module 22 and a terminal connection module 23. In one embodiment, the regional payment terminal 20 uses the identity verification module 21 to verify the mobile device 10 to identify the validity and legality of the mobile device 10. In addition, if the data has been encrypted, it is first decrypted and then verified. After confirmation, the regional payment terminal 20 uses the transaction encryption module 22 to encrypt the device data of the regional payment terminal 20, the mobile device data of the mobile device 10, and the transaction content information, transaction tools and transaction status of the customer transaction, and transmits the encrypted data to the payment server 30 through the terminal connection module 23. That is, the terminal connection module 23 provides network connection and data transmission between the regional payment terminal 20 and the transaction server 30, and receives subsequent transaction results.

The payment server 30 includes a device verification module 31, an integrated transaction module 32, and a server connection module 33. In one embodiment, the device verification module 31 is used to verify the validity of the regional payment terminal 20 and the mobile device 10; the integrated transaction module 32 is used to confirm the transaction category to convert the received transaction data into actual financial transaction content; the server connection module 33 is used to transfer the transaction data to the financial institution end so that the actual financial institution can conduct the transaction. Accordingly, the payment server 30 verifies the mobile device 10 and the regional payment terminal 20 through the device verification module 31 to confirm that the mobile device 10 and the regional payment terminal 20 are legal devices in the transaction. After that, the transaction type of the transaction data is confirmed through the integrated transaction module 32. Then, the transaction data is transmitted to the financial institution end through the server connection module 33, and the transaction result returned by the financial institution end is received.

In addition, the payment server 30 further includes an integrated database (not shown) for storing transaction data and transaction results, and the transaction data stored in the integrated database is used as sub-account data. In one embodiment, the financial institution end can be a bank or platform that provides payment behavior, so that when the transaction data is confirmed to be legal, the financial institution end pays the transaction data, and after the payment, the transaction result is returned to the payment server 30.

Each module in Figure 2 can be software, hardware or firmware; if it is hardware, it can be a processing unit, processor, computer or server with data processing and computing capabilities; if it is software or firmware, it can include instructions that can be executed by the processing unit, processor, computer or server.

Figure 3 is a step diagram of the payment method of the present invention for controlling the regional payment terminal through a mobile device.

In step S301, the transaction data of the client is obtained through the mobile device. Specifically, the transaction methods provided by the present invention include QR Code, various code scanning payment or credit card payment that comply with the international financial interoperability secure payment standard (EMV). Corresponding to the aforementioned transaction methods, the mobile device has a camera or a credit card reader. Accordingly, the user or the store clerk can use the camera or credit card reader on the mobile device through the equipment installed in the store to obtain the customer's transaction tool information.

In step S302, the mobile device is instructed to transmit the mobile device data and the transaction data of the mobile device to the regional payment terminal. In this step, after the clerk obtains the customer's transaction data using the mobile device installed in the store, the transaction data and the mobile device data of the mobile device are transmitted to the regional payment terminal through the point-to-point near-end network, wherein the mobile device data is used for the regional payment terminal to confirm the legitimacy of the device.

In one embodiment, before transmitting the mobile device data and the transaction data, the mobile device first encrypts the mobile device data and the transaction data, and then transmits the encrypted mobile device data and the transaction data to the regional payment terminal, which then decrypts the data after receiving the data.

In step S303, after the regional payment terminal successfully verifies the mobile device according to the mobile device data, the device data of the regional payment terminal, the mobile device data and the transaction data are transmitted to the payment server. In this step, the regional payment terminal and the mobile device transmit data through Bluetooth wireless transmission technology or wireless network transmission technology, so that the regional payment terminal automatically receives the mobile device data and transaction data, and then verifies the validity of the mobile device. After confirming the validity of the mobile device, the mobile device data, the transaction data and the device data of the regional payment terminal are transmitted to the payment server again.

In one embodiment, the regional payment terminal encrypts the device data, mobile device data and transaction data to be transmitted before transmitting the data, and then transmits the encrypted data to the payment server. After receiving the aforementioned data, the payment server will decrypt the data.

In step S304, after the payment server successfully verifies the mobile device and the regional payment terminal according to the mobile device data and the equipment data, the transaction data is transmitted to the financial institution end, so that the financial institution end performs the financial transaction and generates a transaction result. After the transaction result is transmitted back to the payment server, it is forwarded back to the mobile device. In this step, the payment server has an integrated database for storing transaction data, and after receiving the equipment data, mobile device data and transaction data, the payment server verifies the validity or legality of the regional payment terminal and the mobile device according to the equipment data and the mobile device data, and after completing the confirmation, further transmits the transaction data to the financial institution end, wherein the financial institution end can be a bank or other platform that provides payment behavior for the transaction. Finally, the financial institution end makes payment according to the transaction data and returns the transaction result corresponding to the payment to the payment server, and then the payment server forwards the transaction result back to the mobile device for the user to confirm the transaction result, thereby completing the transaction behavior.

FIG4 is a specific flow chart of the payment method of the present invention. As shown in the figure, in processes 401-403, the user uses the data capture module on the mobile device to obtain the customer's transaction tool information. After the mobile device obtains the transaction data with the customer's transaction tool information, it encrypts the transaction data and transmits the transaction data to the regional payment terminal through a point-to-point near-end network, wherein the data capture module can be a camera on the mobile device. In processes 404-406, after receiving the transaction data, the regional payment terminal first performs device verification on the mobile device that captures the transaction data. After confirming the validity of the mobile device, the regional payment terminal performs preliminary processing on the transaction data and adds the necessary information of the regional payment terminal, and then transmits the relevant data to the payment server through the network. In processes 407-409, after receiving the transaction data and necessary information of the regional payment terminal, the payment server verifies the authority of the regional payment terminal. If the store information and regional payment terminal corresponding to the user's regional payment terminal are not legally authorized, the transaction failure is returned and the transaction data is written into the integrated database. On the contrary, if the regional payment terminal is legally authorized after verification, the payment server converts the transaction data into corresponding formats according to various payment types, and then transmits the converted relevant transaction data to the financial institution to conduct actual financial transactions. Finally, in process 410, after receiving the transaction result from the financial institution, the payment server updates the integrated transaction status, that is, updates the transaction data written into the integrated database again, and then returns the transaction result to the regional payment terminal, which then returns the transaction result to the mobile device, and the mobile device displays the transaction result for the user to view.

Figure 5 is a timing diagram of the payment method described in the present invention in one embodiment. As shown in the figure, the process of the present invention is carried out between the mobile device, the regional payment terminal and the payment server. The detailed description of the relevant process is as follows.

In process 501-503, the mobile device has a data capture module, and the data capture module can be, for example, a camera module or an NFC sensing module. Taking QR Code scanning payment as an example, the user turns on the camera function of the mobile device to capture the customer's payment QR Code. In addition, the mobile device further has a transaction data encryption and decryption module, which can encrypt the transaction information and the customer's payment QR Code. That is, after obtaining the customer's QR Code information, the customer's payment QR Code is encrypted. Code, transaction information, mobile device data and other transaction data are encrypted through AES256 encryption, where the transaction information may include items purchased, purchase amount, payment method used, etc. Then, the network module of the mobile device is turned on to connect with the regional payment terminal to transmit the transaction data. In this embodiment, the network module is a point-to-point proximal network. Specifically, the point-to-point proximal network uses Bluetooth wireless transmission technology. Accordingly, after the mobile device completes the connection verification with the regional payment terminal through Bluetooth, the encrypted related data is transmitted to the regional payment terminal.

In the process 504-506, after the regional payment terminal obtains the transaction data through Bluetooth, it first verifies the mobile device. Among them, the terminal connection module of the regional payment terminal corresponding to the mobile device has a Bluetooth function and can connect with the mobile device. In addition, the data transmitted by the mobile device includes the mobile device data. Therefore, when the regional payment terminal verifies, the regional payment terminal can extract the mobile device data to verify the mobile device data to ensure the validity of the mobile device. If the verification fails, the error message of the verification failure is sent to the mobile device for the user to confirm. On the contrary, if the verification is correct, the regional payment terminal adds the device data of the regional payment terminal to the transaction data and performs necessary encryption for various transactions. Specifically, the regional payment terminal is a device that users apply for from payment integration providers. The device will have a device number. When the regional payment terminal wants to conduct transactions with the payment server, it must bring in the device number for device identity verification. In addition, the regional payment terminal is the device that actually conducts transactions with the payment server. Its transaction format complies with the transaction format of ISO8583, which is the international standard for financial payment devices. Therefore, the regional payment terminal packages the data into ISO8583 format according to different payments, and then encrypts the necessary information. Then, the regional payment terminal transmits the transaction data to the payment server through the terminal connection network. In a specific example, the terminal connection network uses the Chunghwa Multi-payment Machine as an example. The network connection method used by the regional payment terminal is the 4G wireless network. The regional payment terminal transmits the relevant transaction data to the payment server through the network.

In processes 507-512, after receiving the data, the payment server first verifies the legitimacy of the regional payment terminal. In practical applications, the present invention is a transaction between the payment server and a financial institution. When the payment server obtains the transaction data, it first verifies the source of the transaction data, that is, the payment server verifies the regional payment terminal and the mobile device, including verifying the device number of the regional payment terminal and the mobile device data in the transaction data. If the verification fails, an error message is sent to the mobile device to provide the user with confirmation of the transaction status. In addition, after receiving the transaction data, the payment server will write the transaction-related data into the transaction integration database for checking or account splitting. Specifically, the transaction server is the transaction equipment for actual transactions. In the present invention, it can provide multiple payment methods, so the transaction equipment is written into the transaction integration database here.

If the aforementioned verification result is successful, the payment server will transmit the transaction data to the back-end third-party payment operator through the network for payment. That is, the transaction data will be transmitted to the back-end financial institution. After the financial institution pays for the transaction, the transaction result will be returned to the payment server. After receiving the transaction result returned by the financial institution, the payment server will update the transaction integration database again. That is, after the financial institution returns the transaction result, the payment server will update the transaction data written in the transaction integration database. After the transaction data is updated, the transaction result will be returned to the regional payment terminal, and then returned to the mobile device by the regional payment terminal.

In addition, the present invention also discloses a computer-readable medium, which is applied to a computing device or computer having a processor (e.g., CPU, GPU, etc.) and/or a memory, and stores instructions, and the computing device or computer can execute the computer-readable medium through the processor and/or memory to execute the above-mentioned method and each step when executing the computer-readable medium.

In summary, the present invention proposes a payment system, method and computer-readable medium for controlling a regional payment terminal through a mobile device. A store owner can use a pre-set mobile device to capture transaction data of a client, connect to the regional payment terminal through a wireless near-end network, and request payment from a back-end financial institution through a payment server. Since the present invention provides users with transaction behavior through a mobile device, based on the fact that mobile devices such as smart phones are cheap and mobile in the payment field, the present invention uses a mobile device to capture the transaction data of the client, which not only reduces the construction cost of the payment system, but also makes the deployment of the payment field more flexible. In addition, the present invention only requires the mobile device to be authenticated with the regional payment terminal in order to add another mobile device. That is, when the number of mobile devices is to be increased on other payment routes in the payment field, the mobile device expansion can be performed after the authentication settings are completed on the regional payment terminal and the payment server. It is not necessary to re-apply for other regional payment terminals, and the device expansion effect can be achieved conveniently.

The above implementation cases are only specific examples and are not intended to limit the scope of the present invention. Any equivalent modifications or changes made to them do not deviate from the spirit and scope of the present invention and should be included in the scope of the patent of this case.

10: Mobile devices

20: Regional payment terminal

30: Payment server

Claims (11)

A payment system for controlling a regional payment terminal through a mobile device includes: a mobile device, which is installed in a store, and is used to obtain transaction data from a client, so as to transmit the mobile device data of the mobile device and the obtained transaction data, wherein the mobile device data is a unique code or a random code provided by an application corresponding to the payment system installed in the mobile device; a regional payment terminal, which is installed in the store, and is used to receive the mobile device data and the transaction data from the mobile device, so as to verify the transaction data according to the mobile device data. After the mobile device is successfully authenticated, the device data of the regional payment terminal, the mobile device data and the transaction data are transmitted; and the payment server is used to receive the mobile device data, the transaction data and the device data from the regional payment terminal, and after the mobile device and the regional payment terminal are successfully authenticated according to the mobile device data and the device data, the transaction data is transmitted to the financial institution end, so that the transaction result is generated after the financial transaction is executed at the financial institution end, and the payment server forwards the transaction result to the mobile device. A payment system for controlling a regional payment terminal through a mobile device as in claim 1, wherein the mobile device comprises: a data capture module for capturing transaction tool information as part of the transaction data; a transaction data encryption and decryption module for encrypting the mobile device data and the transaction data before the mobile device transmits the mobile device data and the transaction data; a network module for providing a network connection for data transmission; and a display module for displaying the transaction result. As in claim 2, a payment system for controlling a regional payment terminal via a mobile device, wherein the data capture module is a camera or a credit card reader. A payment system for controlling a regional payment terminal through a mobile device as in claim 1, wherein the regional payment terminal includes: an identity verification module for obtaining the mobile device data to verify the mobile device; a transaction encryption module for encrypting the device data, the mobile device data and the transaction data before the regional payment terminal transmits the device data, the mobile device data and the transaction data; and a terminal connection module for providing network connection and data transmission. As in claim 1, the payment system for controlling a regional payment terminal through a mobile device, wherein the payment server includes: a device verification module for obtaining the mobile device data and the equipment data to verify the mobile device and the regional payment terminal; an integrated transaction module for confirming the transaction category of the transaction data to convert the transaction data into actual financial transaction content; and a server connection module for transmitting the actual financial transaction content to the financial institution end and receiving the transaction result from the financial institution end. A payment method for controlling a regional payment terminal through a mobile device includes: obtaining transaction data of a client through a mobile device installed in a store; causing the mobile device to transmit the mobile device data of the mobile device and the transaction data to the regional payment terminal in the store, wherein the mobile device data is a unique code or a random code provided by an application corresponding to a payment system installed in the mobile device; and authenticating the mobile device at the regional payment terminal according to the mobile device data. After success, the device data of the regional payment terminal, the mobile device data and the transaction data are transmitted to the payment server; and After the payment server successfully verifies the mobile device and the regional payment terminal according to the mobile device data and the device data, the transaction data is transmitted to the financial institution end, so that the transaction result is generated after the financial transaction is executed on the financial institution end, and the transaction result is then transmitted back to the payment server, and then the transaction result is forwarded back to the mobile device. As in claim 6, the payment method of controlling a regional payment terminal through a mobile device, wherein the transaction data includes customer payment information and transaction information recording the content of the transaction. A payment method for controlling a regional payment terminal through a mobile device as in claim 6, wherein the mobile device encrypts the mobile device data and the transaction data before transmitting the mobile device data and the transaction data. A payment method for controlling a regional payment terminal through a mobile device as in claim 6, wherein the regional payment terminal encrypts the device data, the mobile device data and the transaction data before transmitting the device data, the mobile device data and the transaction data. A payment method for controlling a regional payment terminal through a mobile device as in claim 6, wherein the payment server stores the transaction data from the regional payment terminal and the transaction result from the financial institution. A computer-readable medium, applied to a computing device or a computer, stores instructions for executing a payment method of controlling a regional payment terminal through a mobile device as described in any one of claims 6 to 10.

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