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Payment method and device based on NFC

A technology for payment equipment and payers, applied in the payment system structure, payment involving neutral parties, instruments, etc., can solve problems such as insufficient security guarantees, cumbersome payment methods, etc., and achieve the effect of avoiding repeated use

Inactive Publication Date: 2013-08-21
李万君
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

In the existing on-site payment method, the payer swipes the card on the POS machine of the payee, enters the password, and then signs the payment bill. The payment method is not only cumbersome, but also the security is not guaranteed enough. Financial institutions are within the scope of supervision, but POS machines are not within the scope of supervision. Cases of bank cards being copied and passwords being cut are on the rise

Method used

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  • Payment method and device based on NFC

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Experimental program
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Effect test

Embodiment 1

[0027] The NFC-based payment method of the present embodiment is realized by using a third-party payment platform, the NFC mobile phone of the payer and the Pos machine with NFC function of the payee, such as figure 1 shown, including the following steps:

[0028] 1) The payer applies to the third party for the information required for payment authorization. The information required for payment authorization includes the payment key used to encrypt the payment information, and write the payment key into the NFC chip of the NFC mobile phone. The third party retains the relative on the key;

[0029] 2) The payer puts the NFC mobile phone close to the Pos machine of the payee, the NFC mobile phone will read the payment amount from the Pos machine through NFC, and the NFC mobile phone will send the payment account number, payment amount, payment ID (for large payments, and Payment password) is encrypted with the payment key in the NFC chip, and the payment voucher is generated an...

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Abstract

The invention discloses a payment method and device based on NFC. The payment method is an instant payment method which is structured by a third party payment platform and two NFC terminals and aims at a third party. A payer applies to the third party for a payment secret key, payment amount is read by a payer NFC terminal from a Pos machine of a paid party through the NFC, the payment secret key is used for carrying out encryption on payment information, a payment document is generated and then transferred to the Pos machine through the NFC, and the Pos machine further transfers the payment document and information of the Pos machine to the third party payment platform to finish payment. According to the payment method, a payment account and passwords do not need to be exposed to the paid party, original payment processes and an original system are not changed, convenient, quick and safe payment is achieved, and new user payment experience is added.

Description

technical field [0001] The invention relates to an NFC-based payment method and equipment, belonging to the field of financial payment. Background technique [0002] With the development of electronic information technology and the change of consumption habits, there are more and more demands for credit card payment, and the requirements for payment security and convenience are getting higher and higher. In the existing on-site payment method, the payer swipes the card on the POS machine of the payee, enters the password, and then signs the payment bill. The payment method is not only cumbersome, but also the security is not guaranteed enough. Financial institutions are within the scope of supervision, but POS machines are not within the scope of supervision. Cases of bank cards being copied and passwords being cut are on the rise. Contents of the invention [0003] The object of the present invention is to provide a payment method and device based on NFC in order to solv...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/02G06Q20/20G06Q20/32
Inventor 李万君
Owner 李万君
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