69results about How to "Guaranteed payment security" patented technology

Embodiments of the invention provide a payment method and a terminal. The method comprises the following steps: a terminal receives a payment request sent by a money collection device when approaching the money collection device, and opens the payment interface of a target application in response to the payment request; and the terminal gets authentication information input on the payment interface by a user, and completes payment when the authentication information matches preset authentication information. Through the embodiments of the invention, payment can be completed quickly, and the safety of payment is ensured.

The invention relates to the secure payment technology of intelligent terminal equipment, and discloses a secure connection payment method. The method comprises the following steps that it is determined that a specific payment scene is started; a communication tunnel based on a virtual private network protocol is established for the payment scene to carry out data transmission; when the communication tunnel does not exist any more, the payment scene is quitted. Compared with the prior art, the communication tunnel based on the virtual private network is accurately and efficiently established for the payment function of a mobile terminal in advance by intelligently recognizing the started state of the payment scene of the mobile terminal, it is ensured that data related to payment are safely transmitted through the communication tunnel, and payment safety is guaranteed.

The invention discloses an audio-access mobile payment terminal based on a security algorithm and a communication method based on the security algorithm. The audio-access mobile payment terminal comprises a main control module, a security verification module, a card reading module used for a contact IC (Integrated Circuit) card and a non-contact IC card, a man-machine interaction module with OLED (Organic Light-Emitting Diode) display and touch keyboard input, a communication module with USB (Universal Serial Bus) communication and audio-access communication and a power management module. On the basis of traditional financial transaction equipment, the security verification module and an audio access module are additionally arranged, wherein the security verification module is mainly used for realizing an international (3DES, SHA-1 and RSA) security algorithm and a national code (SM2, SM3 and SM4) security algorithm, and ensuring the confidentiality and integrality of financial transaction data; a transplantation SSL (Security Socket Layer) protocol ensures the payment security; the audio-access mobile payment terminal based on the security algorithm and the communication method based on the security algorithm are good in compatibility, strong in flexibility and high in security.

The invention provides a method and a system for performing offline payment by using a digital currency chip card. The method comprises the steps that an acceptance terminal device receives a transaction amount under the condition of not establishing a network connection with a commercial bank digital currency system; a user terminal device obtains the transaction amount from the acceptance terminal device in a short-distance wireless connection manner and sends transaction information to the acceptance terminal device; the acceptance terminal device sends the transaction information to the commercial bank digital currency system after establishing the network connection with the commercial bank digital currency system; the commercial bank digital currency system sends an owner change request to a central bank digital currency system after receiving the transaction information; and the central bank digital currency system changes an owner of a digital currency to a merchant code corresponding to the acceptance terminal device after receiving the owner change request. Through the method and the system, the payment experience of consumers in a consumption process can be effectively improved under the condition of ensuring payment security.

The invention discloses an off-line payment method and system based on a TOTP (Time-based One-time Password) algorithm, and belongs to the technical field of computers. The off-line payment method andsystem based on a TOTP algorithm includes the steps: a client generates a dynamic verification code according to the self-stored payment key, the unique equipment identifier of the equipment and thefirst current time every preset time interval, takes the dynamic verification code as the current dynamic verification code, generates an off-line payment code according to the current dynamic verification code, the user identifier and the shared key, and sends the off-line payment code to a first server through a merchant; the first server derives the user identifier according to the off-line payment code and the shared key, and acquires the corresponding payment key, the unique equipment identifier and the account identifier according to the user identifier, and verifies whether the off-linepayment code is correct according to the second current time, the obtained payment key and the obtained unique equipment identifier; if the off-line payment code is correct, according to the accountidentifier, payment is completed through a payment platform and payment success information is returned to the client and the merchant, and over; and if the off-line payment code is not correct, payment failure information is returned to the client and the merchant, and over.

The invention relates to a self pick-up management method for a business logistics commodity based on NFC payment. A pick-up staff of a logistics company sends scanned identity card information of a sender to a police system, and does not pick up the commodity unless a corresponding image, back fed by the police system, of the identity card information is consistent with that of the present sender; a deliverer of the logistics staff delivers the commodity to a commodity self pick-up cabinet near a receiver, the receiver inputs a correct transaction order, then, the commodity self pick-up cabinet scans an identity card of the receiver, and self pick-up authority of the commodity corresponding to the order is not opened unless it is determined that a corresponding image, back fed by the police system, of the identity card is consistent with that of the present sender; and the receiver uses specific finger vein information of an intelligent mobile terminal as standby payment secret key in a bank system, and a palm surface relation data model and a held inclination angle database during normal payment of a valid owner of the mobile terminal are established, so that when the model or database is not matched in the payment process, measures to ensure safety of traction can be taken.

The invention provides a payment method, and the method comprises the steps: responding to a received payment request from a platform server, transferring a fund to a transition account, and transmitting first feedback information to the platform server; obtaining transaction order detail information; performing risk screening processing on the detailed information of the transaction order, if thetransaction order passes the risk screening, performing fund clearing operation, and otherwise, performing fund freezing operation; and sending second feedback information to the platform server. Theinvention further provides a payment device, electronic equipment, a computer readable storage medium and a payment system.

The invention discloses a self-service vending method, a vending machine and a computer-readable storage medium, wherein, the self-service vending method comprises the following steps of: acquiring real-time facial information of a user; determining a payment account corresponding to the real-time facial information; receiving the authentication information input by the user, and judging whether the authentication information is the same as the pre-stored identity information of the payment account; when the pre-stored identity information of the payment account is the same as the authentication information, opening the cabinet door of the vending machine; checking the opening and closing of the cabinet door; when the cabinet door is detected to be closed with the cabinet body of the vending machine, obtaining the current commodity information of the vending machine, and comparing the current commodity information with the historical commodity information before the cabinet door is opened to generate a shopping bill; issuing a settlement instruction to the payment account corresponding to the real-time facial information so as to enable the payment account to settle the purchase bill. The invention can avoid the technical problem that a user can not purchase a commodity without carrying cash or a mobile terminal.

A mobile terminal payment system based on an image processing algorithm according to the invention includes a mobile terminal and a server. The mobile terminal includes a face detection unit, a camera, and an image acquisition unit. The face detection unit is used for detecting whether a human face is located in a set box. The camera is used for acquiring a face image. The image acquisition unit is used for acquiring face image information. The server comprises an image confirmation unit, an image processing unit, a database, a face recognition unit and an identity verification unit. The image recognition unit is used for recognizing and judging the acquired face image in advance to determine whether the face image can be used for comparison with an image in the database and, if not, controlling the camera to reacquire a face image. The accuracy of the image is ensured and the processing efficiency of the system is improved.

The invention provides a gesture payment method and system and belongs to the field of mobile payment. The gesture payment system comprises a client side. The client side is associated with a payment account. The client side comprises a first receiving unit, a first acquisition unit and a first recognition unit. The first receiving unit is used for receiving a payment request. The first acquisition unit is connected with the first receiving unit and used for acquiring gesture information of a to-be-paid user. The first recognition unit is connected with the first acquisition unit and used for recognizing the gesture information to acquire a corresponding payment instruction. The payment account executes corresponding operation according to the payment instruction. The situation that a user irrelevant to the payment account uses the client side for payment can be avoided, and the payment safety of the user is guaranteed.

The invention provides a pay processing system which is used for processing a pay request, corresponding to a transaction. The pay processing system comprises a pay request receiving device, a pay request processing device and a user interaction device, the pay request receiving device is used for receiving the pay request. The pay request processing device is used for processing the pay request. The pay processing system is characterized in that the user interaction device is used for interacting with a user terminal of the transaction to obtain pay information, corresponding to the pay request. The invention further provides a transaction processing system and a corresponding transaction processing method. By the pay processing system independent of a shopping system, the aims of safe pay can be achieved and ensured. After the shopping system processes an order request, the pay request continues to be processed by the pay processing system, while a pay processing process is independent and is not monitored or interfered by the transaction processing system, so that financial security can be ensured physically.

The invention relates to a safe transaction payment method based on NFC, and the method is used in an NFC payment system which is composed of NFC payment equipment and an NFC settlement terminal. The method comprises the steps that the NFC payment equipment collects the fingerprint information and face feature information of a legal owner of the NFC payment equipment, records a payment password inputted by the legal owner through a keyboard, the time in inputting the payment password and the breath air flow speed mean value of the legal owner in the payment password input process; meanwhile, the NFC payment equipment also builds a left-right hand pressure feature database of the legal owner, and collects the current transaction position and current air moisture value, so as to carry out the matching of the current transaction position and current air moisture value with the current position and current air moisture value transmitted by the NFC settlement terminal for judgment during the payment transaction, and complete the transaction payment process after multiple safety information verification.

The invention discloses a mobile payment method integrating financial card payment and settlement. The method comprises the following steps that an HCE (Host Card Emulation) application loaded in a mobile terminal generates a payment message used for payment by a payment message generation algorithm according to a payment mark and a storage payment key, and sends the payment message to a POS application loaded in the mobile terminal; the POS application generates a POS message used for settlement by a POS message generation algorithm according to the received payment message and a stored POS key, and sends the POS message to a payment network through a POS operator; and the payment network performs settlement according to the received POS message and returns a settlement message to the POS application. According to the method, the HCE application and the POS application are integrated in the mobile terminal, so that a user can perform the step of emulating ''card swiping'' on the mobile terminal without a third-party payment platform, and a payment process is securer and more reliable; and the mobile terminal does not need to be configured with a security element, so that the application range is wide.

The embodiment of the invention provides a self-service commodity payment method, a selling terminal, and a selling terminal management server. The method comprises: commodity information is displayed, wherein a selling terminal for displaying the commodity information is determined by a selling terminal management server according to an obtained current location of a user terminal entering a designated APP and locations of known selling terminals; if an action of triggering commodity selection is received, a first identification code for paying for a selected commodity is displayed; and if anaction of scanning the first identification code is received, the selected commodity is provided. The selling terminal performs the method and the selling terminal management server performs anothermethod. According to the invention, the commodity payment process of the user can be simplified and the payment security can be guaranteed.

The invention provides a payment method and system based on an AR (Augmented Reality) technology. The payment method comprises the following steps: recognizing the identity of a payment user and the identity of a payment receiving user; when identifying that the payment user and the payment receiving user are known users, pushing a payment identification prompting message to the payment user; when a payment password input by the payment user is correct, generating virtual currency; judging whether the payment receiving user is in a current video scene or not; if so, pushing the virtual currency to a position of the payment receiving user through the AR technology; otherwise, sending a video calling request to the payment receiving user; and pushing the virtual currency to a video calling through the AR technology. In a whole process, the user does not need to do complicated operation, and payment safety is ensured by adopting an identity recognition and password combined verification manner; and furthermore, the virtual currency is pushed to the payment receiving user aiming at conditions that the payment receiving user is in a current scene and is not in the current scene through adopting the different AR technologies; and the convenience for operation is brought to the user.

The present invention relates to a mobile wallet payment method based on NFC (Near Field Communication). A NFC settlement terminal and a NFC mobile wallet respectively obtain corresponding current positions, air humidity of the current positions, the noise of the current positions and the time of obtaining the noise data, and send the obtained data to a certification authority; when the certification authority determines the NFC settlement terminal and the NFC mobile wallet to be located at a safe transaction distance according to the position difference of the NFC settlement terminal and the NFC mobile wallet, it is determined that the environment where the payment transaction is located have no harmful third-party potential camouflage threat through the current position noise difference and the time difference of the NFC settlement terminal and the NFC mobile wallet, then the certification authority generates transaction secret keys of the NFC settlement terminal and the NFC mobile wallet after it is further accurately determined that the NFC settlement terminal and the NFC mobile wallet are located at the same position through adoption the current position air humidity difference, and the NFC mobile wallet determines the identity determination condition of a payment operator according to a built valid owners' left and right hands pressure database, makes the payment transaction determination and complete the payment of the NFC mobile wallet to the NFC settlement terminal, so that the information safety when the payment of the NFC mobile wallet is performed.

The invention relates to an intelligent logistics implementation method. The method is applied to an intelligent logistics system comprising a client mobile terminal, a bank system and a logistics management platform. The client mobile terminal is provided with logistics information query APP software for a logistics company. The intelligent logistics implementation method comprises the steps thatthe client mobile terminal collects a face image of a valid user thereof and extracts face identification parameters of the valid user; the client mobile terminal establishes holding force feature parameters of the valid user thereof according to holding force exerted by the valid user to hold the mobile terminal to obtain another feature parameter indicating the identity of the valid user; the client mobile terminal obtains a logistics fee-dedicated payment password according to a payment inclination angle correspondingly set by the valid user for logistics fee payment and the holding forcefeature parameters of the valid user. Whether the identity of an operator is valid can be identified and safety of payment of logistics fees can be guaranteed by a logistics fee-dedicated payment password.

The embodiment of the invention provides a two-dimensional code display method. Specifically, in one embodiment, an executive body of the method is a merchant client, and the method comprises the steps of displaying a collection two-dimensional code, wherein the collection two-dimensional code at least carries identification information of the merchant client; receiving a code scanning success notification from a server, with the code scanning success notification being sent to the merchant client based on the identification information obtained by analyzing the serial number after the serverreceives the serial number sent by the user client by scanning the collection two-dimensional code; and displaying a display timing interface for the collection two-dimensional code based on the codescanning success notification, the display timing interface being at least used for prompting a user to complete payment before the display timing is finished.

The invention discloses a payment request processing method, a payment request processing device and a terminal. The payment request processing method comprises following steps: when the terminal monitors a payment request, judging whether a target payment operation matching with a preset payment operation is obtained; when the judging result is yes and an accurate payment key is obtained, responding to the payment request; or, rejecting the payment request. Through the technical solution of the invention, the payment security of the user can be fully ensured through a simple, feasible and secure payment solution; the payment security is further improved; and the payment experience of the user is improved.