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Electric paying method based on trade code

A transaction code and electronic payment technology, which is applied in the field of electronic payment based on transaction codes, can solve the problems of no password protection, reduced transaction security, and too large scope of application of anonymous card numbers, and achieves the effect of improving security and improving security.

Inactive Publication Date: 2008-06-11
祁勇
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0008] The disadvantage of this method is that in the authentication process of the transaction card user and in the process of transmitting the anonymous card number to the payer, it still needs to be carried out on an encrypted link (such as SSL).
Because there is a one-to-one correspondence between the anonymous card number and the real card number, and there is no password protection for bank cards like credit cards, therefore, there are security risks in the existing communication system, especially in the transmission of anonymous card numbers in mobile networks
[0009] Another disadvantage of this method is that the scope of application of anonymous card numbers is too large
The same anonymous card number can be used in different locations and different merchants, therefore, the security of the transaction is reduced

Method used

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  • Electric paying method based on trade code
  • Electric paying method based on trade code
  • Electric paying method based on trade code

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0079] Such as figure 1 It is a flow chart of Embodiment 1 of an electronic payment method based on a transaction code;

[0080] Step 1: The payer sends the payer identification code and payment amount to the payment platform;

[0081] Step 2: the payment platform generates the first transaction code;

[0082] Step 3: the payment platform sends the first transaction code to the payer;

[0083] Step 4a: Enter the password at the said payer;

[0084] Step 4b: At the payer, calculate the first transaction code and the payer password to generate a second transaction code;

[0085] Step 4c: and transmit the second transaction code to the payee;

[0086] Step 5: The payee sends the payee identification code and the second transaction code to the payment platform;

[0087] Step 6: The payment platform sends payment success information to the payer and payee.

Embodiment 2

[0089] Such as figure 2 It is a flow chart of Embodiment 2 of an electronic payment method based on a transaction code;

[0090] Step 1: The payer sends the payer identification code and payment amount to the payment platform;

[0091] Step 2: the payment platform generates the first transaction code;

[0092] Step 3: the payment platform sends the first transaction code to the payer;

[0093] Step 4: The payer transmits the first transaction code to the payee;

[0094] Step 5: The payee sends the payee identification code and the first transaction code to the payment platform;

[0095] Step 6: The payment platform sends payment success information to the payer and payee.

Embodiment 3

[0097] Such as image 3 As shown, it is a structural diagram of an electronic payment system based on a transaction code, the payer is a mobile terminal 12, and the payee is a computer 11 connected to the network; the mobile terminal 12 communicates with the payment platform through the mobile network 22 and the mobile communication gateway 32 4 connected; through gateways 31 and 32, the communication numbers of the payer and the payee can be automatically obtained; the payee computer 11 is connected to the payment platform 4 through the Internet 21 and the Web server 31; the payment platform 4 communicates with the bank server through the bank payment interface 5 connected.

[0098] 5. Application examples

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Abstract

The present invention provides an electronic payment method based on transaction codes. When a payer pays to a payee, the present invention comprises the following steps: the payer sends a payer identification code and payment amount to a payment platform; the payment platform generates a first transaction code; the payment platform sends the first transaction code to the payee; the payer calculates the first transaction code and a payer password to generate a second transaction code; the payer sends the second transaction code to the payee; the payee sends the payer identification code and the second transaction code to the payment platform; the payment platform sends payment success information to the payer and the payee. The method can be widely applied in the electronic payment field.

Description

technical field [0001] The invention relates to the field of electronic payment, in particular to an electronic payment method based on a transaction code. Background technique [0002] The emergence of online payment and mobile payment has created a flexible and convenient payment environment for consumers, realized the electronicization and mobility of wallets, and greatly enriched the means of payment for users. [0003] However, while online payment and mobile payment bring convenience to consumers, they also bring new security risks. In the prior art, online payment and mobile payment often require the bank account number of the payer as the payment credential. Therefore, the transfer of the bank account number between the payer, the payee and the bank is inevitable. This increases the possibility that the payer's account information may be maliciously used by others, and increases consumers' doubts and worries about electronic payment tools. [0004] With the popular...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/00G06Q20/08
Inventor 祁勇
Owner 祁勇
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