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Method for carrying out convenient payment by using intelligent mobile phone and tablet computer

A tablet computer and smart phone technology, applied in the field of convenient payment, can solve problems such as payment activities that are difficult to use, and achieve the effect of convenient confirmation and safe payment

Inactive Publication Date: 2013-10-23
罗宁
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

The main disadvantage of using the contactless smart card payment method is that the user must use a mobile phone provided by a specific operator to pay at the contracted merchant with it, while the network-SMS payment method is only suitable for online payment and is difficult to use. daily payment activities

Method used

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Examples

Experimental program
Comparison scheme
Effect test

Embodiment Construction

[0008] Below in conjunction with embodiment the present invention is further described.

[0009] An online payment service provider needs to provide its users with the convenient payment service described in the present invention, so that users can use the balance in their own accounts to directly spend in physical stores.

[0010] First of all, it is necessary to develop corresponding server-side and payment client-side software. In order to increase potential user groups, the client-side supports smart phones and tablet computers of various mobile platforms such as iOS and Android. The data communication between the server, payment terminal and payment client is encrypted by RSA algorithm. The payment client program is provided on the Internet for users to download.

[0011] At the same time, research and develop a special payment terminal that supports this payment method (it can be improved on the basis of the existing payment terminal) and a function expansion kit for co...

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PUM

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Abstract

The invention relates to a method for carrying out convenient payment by using an intelligent mobile phone and a tablet computer. A consumer installs corresponding payment client software on the intelligent mobile phone or the tablet computer, and a payment terminal of a merchant need to support relevant protocols and be equipped with a display screen which is suitable for displaying barcodes. When a payment operation is carried out, the merchant confirms transaction details, the payment terminal uploads stored merchant information and transaction information to a server of a payment service provider, the server generates a unique identification code, the identification code is sent back to the payment terminal, a corresponding barcode is generated and displayed on the display screen, the consumer scans the barcode by using a camera, the payment client identifies the barcode, the relevant information is acquired from the server, the consumer inputs a password after confirming that the information is correct, the unique identification code for transaction and account information of the consumer are uploaded to the server of the payment service provider, and the server completes an account transfer operation according to the information and sends a result to the payment terminal and the payment client software.

Description

Technical field [0001] The invention relates to the field of electronic payment, in particular to a method for convenient payment using smart phones and tablet computers. Background technique [0002] Electronic payment technology has become an indispensable part of people's daily life, especially the payment technology of direct transfer through encrypted network communication technology, which is the basis of personal payment system based on bank cards and credit cards. The principle is that the payment terminal reads the payer's identity and account information through magnetic storage technology (magnetic card) or smart card technology (IC card), and the payer enters the payment password. The information is digitally encrypted and transmitted to the payment service through the network. The server of the provider (bank, credit card company, etc.) will automatically complete the transfer after verification, and notify the payment terminal (POS machine) that the payment is ...

Claims

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Application Information

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IPC IPC(8): G06Q20/32G06K7/10
Inventor 罗宁原熙
Owner 罗宁