Swiping-card payment system and method

Abstract

The invention discloses a swiping-card payment system and a method. The method includes the steps of separating a swiping-card operation of a user card from a confirmation operation of the user card, enabling the confirmation operation to establish near field communication connection between a payment terminal and a mobile terminal of a user through utilization of the near-field communication technology, transferring an object of a confirmation action from the payment terminal to the mobile terminal of the user, and enabling the user to input password information on the safer condition. Consequently, the safety of the password of the user card is guaranteed. The swiping-card payment system and the method are suitable for the field of application of swiping-card payment of various bank cards on point-of-sale (POS) machines and deposit and withdraw money services of various bank cards on automatic teller machines (ATM).

Description

technical field [0001] The invention relates to the field of payment, in particular to a payment system and method for swiping a user card. Background technique [0002] Since the 1970s, due to the rapid development of science and technology, especially the use of electronic computers, the scope of use of user cards has continued to expand. Taking bank cards as an example, the use of bank cards not only reduces the circulation of cash and checks, but also fundamentally changes the banking business due to breaking through the limitations of time and space. The application of the bank card automatic settlement system will soon make a "no check, no cash society" a reality. [0003] In China, due to the emergence of UnionPay, places where people use bank cards for consumption can be seen everywhere. Using bank cards for consumption saves people from having to bring more cash when they go shopping, and avoids the inconvenience of carrying a large amount of cash. . [0004] Due...

AI Technical Summary

Problems solved by technology

In addition, due to people's negligence when using bank cards, it is possible to forget to take back the bank card after withdrawing money or swiping the card for consumption, and it takes a long time to report the loss and re-open an account to get back the amount of the original account, which brings a lot of trouble to the user's life. It's a big inconvenience

[0005] In recent years, criminals have committed more and more crimes against ATM machines. After people have made deposits and withdrawals on ATM machines, they find that the money in their bank cards has disappeared. The reason is that criminals have installed cameras on ATM machines. etc., and people cannot effectively protect their passwords when entering their passwords, so that the passwords are leaked and the personal bank accounts have suffered huge losses

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