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An o2o safe payment method, system and a pos terminal

A payment terminal and security payment technology, applied in the field of systems, POS terminals, and O2O security payment methods, can solve the problems of the payer not getting it, unable to complete normal transactions, and unfavorable for the payer to maintain their rights and interests, so as to improve security. Effect

Active Publication Date: 2018-05-08
FUJIAN LANDI COMML EQUIP CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] 3. In the existing O2O payment method, after the transaction is completed, the payer does not get the corresponding paper certificate. If a subsequent transaction dispute occurs, it will not be conducive to the payer's protection of its own rights and interests.
[0006] 4. If the mobile phone cannot communicate with the payment background, normal transactions cannot be completed

Method used

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  • An o2o safe payment method, system and a pos terminal
  • An o2o safe payment method, system and a pos terminal
  • An o2o safe payment method, system and a pos terminal

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0029] see figure 1 , which is a flow chart of an O2O secure payment method in this embodiment, the method includes steps:

[0030] S1. The mobile terminal obtains the dynamic transaction code sent by the payment background;

[0031] S2. The mobile terminal sends the dynamic personal voucher code including the dynamic transaction code to the payment terminal;

[0032] S3. The payment terminal receives the input transaction amount;

[0033] S4. The payment terminal sends the dynamic personal voucher code and the transaction amount to the payment background;

[0034] S5. After the payment background verifies the dynamic personal voucher code, the verification information is sent to the payment terminal;

[0035] S6. After receiving the input account password, the payment terminal sends the transaction packet including the ciphertext of the account password to the payment background for payment.

[0036] Wherein, the payment terminal uses the 8583 packet format for the transact...

Embodiment 2

[0044] In the above embodiment, the payment is made with the amount in the cash account in the account, but there are other payment methods such as coupon payment and point payment in the actual use process. In order to improve the convenience of the payment method in the above embodiment, In this embodiment, payment may also be made in a payment combination manner.

[0045] The mobile terminal sends the payment combination entered by the user to the payment background through the payment client;

[0046] After receiving the payment combination, the payment background generates a corresponding temporary transaction order number and sends the temporary transaction order number to the mobile terminal. The payment combination methods include main account payment, quick payment, coupon payment, point payment, and prepaid card payment One or more of the payment methods may also be other possible payment methods;

[0047] The step "send the verification information to the payment t...

Embodiment 3

[0062] In the first embodiment above, it also includes:

[0063] The mobile terminal logs in to the payment client and communicates with the payment background, and synchronizes the transaction serial number with the payment background;

[0064] The "mobile terminal sends the dynamic personal voucher code containing the dynamic transaction code to the payment terminal" also includes:

[0065] When the mobile terminal cannot connect to the payment background to obtain the temporary transaction number, the mobile terminal accumulates the transaction sequence number, and the mobile terminal packages the temporary payment account information and the accumulated transaction sequence number into a dynamic personal voucher code, And send the dynamic personal voucher code to the payment terminal;

[0066] The said "after the payment background verifies the dynamic personal voucher code, send the verification information to the payment terminal" specifically includes:

[0067] The pa...

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PUM

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Abstract

The invention discloses a safe payment method. The safe payment scheme includes steps: a mobile terminal acquires a dynamic transaction code sent by a payment background; the mobile terminal sends a dynamic personal voucher code containing the dynamic transaction code to the payment terminal; the payment terminal receives the input Transaction amount; the payment terminal sends the dynamic personal voucher code and transaction amount to the payment background; after the payment background verifies the dynamic personal voucher code, it sends the verification information to the payment terminal; after the payment terminal receives the input account password, it sends the account password to Payment background, make payment. The invention also discloses a safe payment system and a POS terminal. In the present invention, the payment account password is input from the payment terminal, thereby effectively avoiding potential safety hazards caused by inputting the password at the mobile terminal, and improving payment security.

Description

technical field [0001] The present invention relates to the field of electronic payment, in particular to an O2O secure payment method, system and a POS terminal. Background technique [0002] With the popularization of domestic smart terminals and the rapid development of the mobile Internet, the utilization rate of online payment has increased rapidly and become a bright spot, especially in the penetration of transportation and communication, education and culture, food, and housing. As a popular term in mobile payment, O2O is gradually becoming familiar to people. O2O means Online To Offline, which refers to the combination of offline business opportunities and the Internet, making the Internet the front desk of offline transactions. Since entering China at the end of 2010, it has aroused extensive discussions in the industry, and its broad prospects are optimistic by all parties. The O2O industry is also generally considered to be the next billion-dollar market. WeChat ...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G06Q20/40
CPCG06Q20/36G06Q20/20G06Q20/322
Inventor 孟陆强洪逸轩姚承勇陈瑞兵
Owner FUJIAN LANDI COMML EQUIP CO LTD