Payment cloud platform of internet of things based on family payment terminal and payment method thereof

Abstract

The invention discloses a payment cloud platform of internet of things based on a family payment terminal. The payment cloud platform comprises a family payment terminal and a payment cloud calculating system, wherein the family payment terminal can be bound with a payment card of a terminal user, provide the convenience of card-free payment without inputting account number to the terminal user, and simultaneously provide the card-swiping payment by using an all-in-one card-reading method of the family payment terminal; the family payment terminal is connected with the payment cloud calculating system through a network to form a complete payment system using a family as a base unit; and the payment method of internet of things based on the family payment terminal provides a payment project selected by the family terminal for users or provides a convenient and safe payment method to a third party electronic business platform. By using the family payment terminal installed in the house and provided with the all-in-one card-reading function and the family account number system, the status of the shortage of the payment terminals in the family is solved; and the problem that the account number needed to be remembered and input in the process of paying without cards is solved, so that the convenient and safe payment method for families is provided.

Description

Technical field [0001] The invention relates to an Internet of Things payment cloud platform based on a family payment terminal and a payment method thereof. Background technique [0002] Currently, payment terminals are mostly placed in public places such as shopping malls and convenience stores, which is very inconvenient for users to use. [0003] Mobile banking faces the limitations of mobile terminals and user mechanisms. In most mobile terminals, complex transactions cannot be completed, especially payments related to the e-commerce transaction process. [0004] The current payment system adopts the method of swiping a card or entering a card account number and then entering a password for payment. Users must remember the card account number to be able to pay without swiping the card. Because the card number is mostly 16 digits, it is not easy to remember , Resulting in a situation where payment cannot be made without a card. Summary of the invention [0005] The purpose of th...

AI Technical Summary

Problems solved by technology

[0002] At present, payment terminals are mostly placed in public places such as shopping malls and convenience stores, which is very inconvenient for users to use

[0003] Mobile banking is faced with the limitations of mobile terminals and user mechanisms. Most of the mobile terminals cannot complete complex transactions, especially payments related to e-commerce transaction processes.

[0004] The current payment system adopts the method of swiping the card or entering the card account number, and then entering the password to pay. The user must remember the card account number before payment can be made without swiping the card. Since the card number is mostly 16 digits, it is not easy to remember. , resulting in the situation that payment cannot be made in the state of no card

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