Dynamic payment system and method based on asynchronous communication technique

A technology of dynamic payment and payment system, applied in the direction of payment system, payment system structure, point-of-sale network system, etc., can solve the difference of payment business process, the IC card cannot integrate multiple application accounts, and the microprocessor control program in the IC card and data processing procedures cannot be used universally

Inactive Publication Date: 2013-05-08
SHENZHEN ALL IN ONE NEW TECH LTD
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  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] Although smart IC cards can improve payment security, there are differences in the payment business processes of different card issuers, and the control program and data processing process of the microprocessor in the IC card cannot be used universally, so it is still impossible to realize the cardholder's needs in an IC card. The microprocessor on the card manages, stores and operates the accounts of multiple different card issuers separately
[0005] On the one hand, the above problems lead to the inability of one IC card to integrate multiple card issuers and multiple application accounts in practical applications. The phenomenon of "one card for one thing, multiple cards for one person" is common, which brings inconvenience to cardholders to carry and use; On the other hand, the cardholder must complete the payment pre-authorization of the accoun

Method used

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  • Dynamic payment system and method based on asynchronous communication technique
  • Dynamic payment system and method based on asynchronous communication technique
  • Dynamic payment system and method based on asynchronous communication technique

Examples

Experimental program
Comparison scheme
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example 1

[0163] Example 1: Location-Based Payments

[0164] To solve technical problems:

[0165] How to send the number of the wireless communication base station where the mobile phone is located and the identification information of the mobile phone to the server through the application installed on the mobile phone without changing the SIM card of the mobile phone and making any changes to the hardware of the mobile phone, and complete it on the server side Transaction matching and processing of electronic orders and payment.

[0166] On the premise that order generation depends on the geographical location of both parties to the transaction, location-based mobile payment includes the following core links:

[0167] 1. Accurately capture potential order relationships within a certain geographical range in a short period of time;

[0168] 2. Match the transaction order with the highest probability of transaction according to the transaction records of both parties;

[0169] 3. Dri...

example 2

[0176] Example 2: Venue-specific payment

[0177] For example, if a person is sick and needs to go to the hospital to see a doctor, open the service program of the mobile phone, select 'hospital registration', and then select the type of registration that needs to be registered. The system will provide the patient with the choice according to the hospital that is the closest to the patient and the selected type of disease is relatively good. After the patient chooses one of the registration types, the system calculates the time it may take for the patient to arrive at the hospital based on the location and the transportation mode selected by the patient, based on historical experience data, calculates the time when the patient arrives at the hospital, and the time to complete the registration department. After paying the registration fee through the mobile phone, the registration is completed; if the patient chooses to take a taxi to the hospital, the system will send the patie...

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Abstract

The invention discloses a dynamic payment system and a method based on asynchronous communication technique. The system includes a payment card, a cardholder mobile terminal, a payment terminal, a payment card system server, and one or more third party payment systems. The dynamic system achieves one card being integrated by multiple cards and offline payment. The dynamic payment method is further linked with other accounts of a cardholder through the relevance between the payment card and the mobile terminal, so that the cardholder can choose different accounts according to different payment scenes, and the security and choosability of the payment and choice can be improved.

Description

technical field [0001] The invention relates to a dynamic payment system and method in the financial field, in particular to a mobile dynamic payment system and method based on asynchronous communication technology. Background technique [0002] With the development of the financial services industry, electronic payment has become popular all over the world. As the main tool of electronic payment in the early stage, the magnetic stripe card, due to its simple technology and easy copying of the magnetic stripe information, has led to frequent cases of forgery and embezzlement of magnetic stripe information, causing huge losses to cardholders and card issuers, and has been gradually adopted by IC card replaced. [0003] At present, the smart IC card is widely used in electronic payment. The microprocessor in the card integrates the central processing unit CPU, program memory ROM, data memory EEPROM and RAM, and the ROM is equipped with a chip operating system COS (Chip operat...

Claims

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Application Information

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IPC IPC(8): G06Q20/02
CPCG06Q20/3224G06Q20/40G06Q20/20G06Q20/16G06Q20/32G06Q20/326
Inventor 刘明晶张璐谢盛发张育早
Owner SHENZHEN ALL IN ONE NEW TECH LTD
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