Online consumption account-based non-contact payment method and system

Abstract

The invention discloses an online consumption account-based non-contact payment method, an online consumption account-based non-contact payment system and an account background system. The method comprises the following steps that: the account background system receives a payment request sent by a POS terminal, wherein the payment request comprises consumption amount information, mobile terminal user identifier information and/or online consumption account identifier information; the account background system inquires the consumption limit corresponding to a mobile terminal user identifier and/or an online consumption account identifier and identifies whether the consumption amounts are more than the consumption limit or not, if the consumption amount is not more than the consumption limit, the account background system performs payment according to the payment request, and if the consumption amount is more than the consumption limit, the account background system requests the POS terminal to provide a payment code and verifies the payment code provided by the POS terminal; and when the verification of the payment code provided by the POS terminal passes, the account background system performs payment according to the payment request. The embodiment of the invention can improve the transaction speed of small amount payment under the condition of guaranteeing safety of large amount of payment.

Description

technical field [0001] The invention relates to a non-contact payment technology based on a mobile terminal, in particular to a non-contact payment method and system based on an online consumption account. Background technique [0002] With the realization of mobile payment technology, especially the maturity of non-contact payment technology and the significant changes in my country's communication business pattern, the non-contact payment technology based on mobile terminals, that is, mobile phones, is full of vitality and has been widely used in various fields. application. The contactless payment technology based on the online consumption account in the mobile terminal, hereinafter referred to as the contactless payment technology based on the online consumption account, writes the online consumption account information of the mobile terminal user into the user identification module (User Identifier Module, hereinafter) of the mobile terminal Abbreviation: UIM) or subscr...

AI Technical Summary

Problems solved by technology

[0006] In the case of secure storage of the online consumption account on the mobile terminal UIM / SIM, every time the user makes a consumption payment based on the contactless payment technology of the online consumption account, the user needs to enter the payment password to request account background system verification, resulting in a slow transaction speed , leading to the concentration of non-contact payment technology consumption based on online consumption accounts for large-amount payments, which limits the application of contactless payment technology consumption based on online consumption accounts in the field of small payments

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