94results about How to "Payment security" patented technology

The invention discloses a mobile payment device and a method thereof based on an NFC technology, and the NFC technology and hardware encryption are combined. According to the mobile payment device and the method thereof, the NFC technology and the hardware encryption are combined and applied to the field of mobile terminal payment for the first time, and compared with traditional software encryption like dynamic passwords, the hardware encryption is higher in safety and reliability. The mobile payment device is designed in a folding type, a display screen can be folded and put into an outer shell of the mobile payment device when not used, therefore, the occupied space is small, the display screen is protected effectively, and damage to the display screen in the process of mobile carrying can be prevented. The payment device is small in size, easy to carry, and capable of being integrated into a card with a liquid crystal display. According to the mobile payment device and the method thereof, a hardware encryption mode is adopted, a secret key is stored in hardware, safety of the secret key can be guaranteed on the hardware, the secret key in the payment device can not be obtained by the outside through a mobile terminal, possibilities of exposure of the secret key are reduced, and therefore payment can be safer.

Disclosed is an electronic payment method based on a cloud data processing technology. The electronic payment method based on the cloud data processing technology comprises the steps that terminal equipment sends payment confirming information to a cloud server based on operation information of a user, wherein the payment confirming information carries first order form information, a payment account of the user, verifying information of the user and identification data of the terminal equipment; after receiving the payment confirming information, the cloud server extracts second order form information from a merchant server corresponding to the first order form information, verifies the first order form information according to the second order form information, and submits payment requests to a payment server, wherein the payment requests at least carry payment amount, payment objects, a dealing number associated with the first order form information, the payment account, the verifying information and the identification data of the terminal equipment; and after receiving the payment requests, the payment server acquires a bank account corresponding to the payment account, and payment is finished through the bank account after the verifying information is verified. The technical scheme is that the electronic payment method based on the cloud data processing technology can ensure safety of electronic payment and convenience of the electronic payment.

The present invention discloses an on-line near-field payment system and method based on cell phone numbers. The system comprises a user terminal, a register server, a payment server, an IP address assignment authentication unit, an information collection unit and an identity server. A user first registers on the register server and the identity server, a payment request is sent to the register server when payment is required, payer identity and paying party authentication processes are completed through cell phone numbers, so as to carry out payment and realize on-line near-field payment. Users do not need to browse merchant websites, individual-to-individual and individual-to-merchant payment can be conveniently carried out, and the system and method are high in safety, simple to operate, and suitable for various consuming and account transferring environments.

This invention relates to a payment management system used in providing payment service to the gathering units and bank payment platforms including: a central database, a communication module, a cipher module, a payment service module and a business recording management module, in which, a payer provides a payer identifying number different from the bank account information to the gathering unit, which sends a request for the money to the platform via the system and the platform processes the request then feeds back the information about if the payment is successful. When a payer pays the money or transfers accounts, it can finish them smoothly and safely by providing the identification number of the payer to the gathering unit only without inputting the bank accounts information, the system can provide different kinds of identification numbers according to the needs of payers and multiple gathering units can accept multiple payment ways of the payers after connecting with this system platform.

The invention provides a payment method and a payment system on the basis of NFC (near field communication). The payment system comprises a paid-side device with an NFC chip and a payment-side device with an NFC chip. Applied to the paid-side device, the payment method includes receiving a request for purchasing a designated commodity object and generating an order according to property of sales of the commodity object selected by a user; extracting information of the order to generate a payment request after receiving order submission confirmation; sending a request for building communication connection to the payment-side device to build near field communication between the paid-side device and the payment-side device; sending the payment request to the payment-side device to allow the payment-side device to execute a payment operation; and receiving payment completing information fed from the payment-side device and performing subsequent operations on corresponding order according to the payment completing information. The payment method and the payment system on the basis of NFC bring convenience for users of intelligent TV to do online payment so as to improve online payment efficiency thereof, and further improve safety of the NFC-based payment operation.

The invention relates to an electronic payment method supporting multiple accounts. The method includes a setting link and a payment link. The setting link includes the following steps that: a backstage system distributes unique identifiers for users; and the backstage system generates at least one payment account corresponding to the unique identifiers and payment rules corresponding to the unique identifiers for the users. The payment link includes the following steps that: current users interact with a service acceptance terminal through handheld smart phones, and the service acceptance terminal reports the service data of current payment to the backstage system; the background system determines the service scenes of the current payment according to the service data and determines an applicable account list according to the payment rules corresponding to the unique identifiers of the current users; and the backstage system completes the payment by using the applicable account list based on the payment rules. With the electronic payment method adopted, safe and reliable payment can be realized, and at the same time, the users can conveniently use a plurality of accounts to carry out collaborative payment under different service scenes.

The invention discloses a payment method based on mobile phone payment. In the method, a user binds bank cards with a financial intelligent card in a mobile phone; a payment client terminal which is connected with a mobile phone payment platform by a network is installed on the mobile phone; after inquiring payment information or receiving payment bills sent form the mobile phone payment platform, the user selects a bank card, inputs passwords to pay the required charge; in the paying process, DES (Data Encryption Standard) or 3DES encryption algorithm is used for enciphering sensitive data and an encrypted message, and an MAC (Message Authentication Code) authentication method is also used. The invention provides two modes of active payment and payment by informing of the payment platform, can meet requirements of different users, pay charge very safely, ensure the payment timeliness of users, and save public payment facility resources. The invention provides a quicker, safer and more convenient payment method.

The invention discloses a synchronous payment system for controlling a payment process by a buyer and a seller by utilizing currency virtualization and compositing technologies. The synchronous payment system comprises a buyer computer system, a seller computer system, a buyer bank synchronous payment system, a seller bank synchronous payment system and a secure communication network. The buyer operates the buyer bank synchronous payment system to obtain currency to be paid and a buyer password, and the seller obtains currency to be received, a seller password, a weight password and a state password. The buyer transmits the buyer password to the seller after receiving qualified goods, and the seller receives the currency by the buyer password through the seller bank synchronous payment system, or the buyer pays the currency to be paid to the seller to finish payment. On the contrary, the seller transmits the seller password to the buyer after receiving returned goods, and the buyer receives refund by the seller password through the buyer bank synchronous payment system, or the seller pays the currency to be received to the buyer to refund. The currency virtualization and compositing technologies are used for controlling the payment process by the buyer and the seller, and the problem of commodity transaction payment security is solved.

The invention discloses a safe code scanning payment method. A customer selects and purchases needed commodities after entering a store; if the customer selects an online store, a payment intelligent code is displayed on a third party payment gateway; if the customer selects a physical store, the customer transmits purchase information to an intelligent pos of the merchant, a payment request is transmitted to a third party payment platform through the intelligent pos, and then the payment intelligent code is sent back to the intelligent pos; after the customer has chosen the commodities, the payment intelligent code displayed on the payment gateway or the intelligent pos is scanned, merchant information, commodity information and commodity prices are decrypted, and a payment procedure is to be conducted after correctness of the merchant information, the commodity information and the commodity prices is confirmed; the customer selects whether to adopt a password carrier or to directly transmit the payment intelligent code to complete payment; the third party payment platform completes money deduction and account entry procedures according to information of the payment intelligent code, meanwhile, transaction success information is fed back to the merchant, and verification information is given to the customer; a transaction is completed. According to the safe code scanning payment method, customers can select and purchase commodities by themselves and place orders to generate payment intelligent codes; information is encrypted in the whole process, and the payment process is safe and reliable; payment is convenient, simple and direct; both merchants and customers can complete transactions quickly.

The embodiment of the invention provides a service payment method and system, and relates to the technical field of an IPTV. The service payment method and system support the development of paying services in a convenient, fast and safe payment mode, and promotes the development of a television application portal. The method includes the steps that a set top box sends a charge inquiry request message to a television business server; the television business server generates payment two-dimension code information according to identification information of the set top box; the set top box obtains the payment two-dimension code information and sends the payment two-dimension code information to a display device; a mobile terminal scans and obtains the payment two-dimension code information displayed by the display device, and obtains the identification information and payment information of the set top box according to the payment two-dimension code information; the mobile terminal sends a payment request message to the television business server according to the identification information and the payment information of the set top box; and the television business server finishes the payment of the payment information according to the payment request message.

The present invention discloses a trade system based on network service platform. Said system includes customer terminal connected into Internet, service/contents provider and intermediate sever. The customer terminal can make trade with service/contents provider by means of Internet, and said system also includes payment server connected with the intermediate server, said payment server is used for examining and verifying or acknowledging the trade request of customer terminal and making payment. The intermediate server can be used for transferring message between customer terminals, service/contents provides and payment server. Besides, said invention also provides the concrete steps of said trade method.

The invention provides a payment authentication device and a payment authentication method, and belongs to the technical field of financial payment.The payment authentication device provided by the invention comprises a biological characteristic information collection module used for collecting the fingerprint information of one or more fingers of a hand of a user, and an account authentication module used for performing account recognition on the plurality of user accounts based on the fingerprint combination information of the fingerprint information, and performing account authentication on the recognized account based on the fingerprint information.According to the payment authentication device and the payment authentication method provided by the invention, the payment is safer, a default account does not need to be set aiming at the plurality of user accounts, selection and switching among the plurality of user accounts is more flexible, and the user payment experience is good.

Present invention provides personage to personage paying method and system utilizing speech sounds or speech-sounds and message communication. It contains speech-sounds communication interface of telecommunication network, message centre gateway communication interface, speech-sounds communication/processing module, subscriber administration module, user data base, fund management module, fund deal data base, and paying process control module etc. Payment side can complete paying deal course to gathering side only utilizing handset through speech-sounds or speech-sounds and message and paying service system interaction. Present invention has simple convenience and instant with safety and reliability.

The invention discloses a dynamic payment method and system. The method comprises the steps that S100, a client generates a dynamic code according to current time, a bank card serial number of a user and device identifier information of a client; S200, the client encrypts unique identifier information corresponding to a bank card plug-in in the client according to the generated dynamic code; S300, the client generates a dynamic bank card number according to the bank card serial number information in the client, the dynamic code and the encrypted unique identifier information in the step S200; and S400, a server performs verification according to the dynamic bank card number, and finishes payment when the verification succeeds, otherwise, returns to and executes the step S100. The purpose of the method is to generate the dynamic bank card number, and an offline authentication mode is adopted, so that the payment efficiency is improved and the use convenience is brought for users.

The invention discloses a terminal payment method and a terminal based on near field communication, wherein the method comprises the following steps: a content service provider mobile terminal clientwhich is an SP mobile terminal client carries out service negotiation with an SP through wireless air communication to determine service information and writes the service information to an intelligent card end service of the SP mobile terminal; the intelligent card end service of the SP mobile terminal carries out near field communication with the SP and provides the service information for the SP; and the SP mobile terminal client communicates with a wallet service provider mobile terminal intelligent card service which is a WP mobile terminal intelligent card service and pays for the SP. Bythe invention, the problems of limited consumption kinds, inflexible operations and low safety existing in near field communication mobile payment of the relevant art can be solved by fully utilizingthe payment and operation flexibility of various modules and safe protection of the interaction among the modules and the aim for realizing safe and flexible payment can be achieved.

The invention relates to a vending machine allowing fingerprint payment. The vending machine comprises a vending machine body taking a PLC (programmable logic controller) as center control. The vending machine is characterized by further comprising a remote user fingerprint information collection control center and a fingerprint recognition module, the remote user fingerprint information collection control center is used for user fingerprint and relative electronic purse registration and storage, the fingerprint recognition module is connected with the PLC and used for extracting a fingerprint input during user payment, and the fingerprint is verified with fingerprint information stored in a database to realize payment. By the vending machine taking the fingerprint as a password to perform identity verification, a link of information encryption is omitted, and degree of safety is improved; besides, hardware cost of a payment system can be lowered, and payment success rate is increased.