Photonic payment method and photonic payment system based on photonic wallet

Abstract

The invention discloses a photonic payment method and a photonic payment system based on a photonic wallet. On one hand, the payment efficiency is improved, and on the other hand, the payment security is enhanced. The scheme is lower in cost than other schemes and is thus suitable for large-scale copy and promotion. The technical scheme is as follows: an application is installed on a mobile terminal, a photonic wallet is arranged in the application, the photonic wallet is recharged by a bank card before use, and payment is made by use of the photonic wallet. The process of payment is realized with photonic communication as a medium. More specifically, data transmission can be realized by using light emitted by a flash lamp on the mobile terminal as a transmission medium (optical communication). Compared with traditional technologies, the photonic payment method based on a photonic wallet of the invention has advantages not only in convenience and safety but also in cost control.

Description

technical field [0001] The invention relates to a payment method and system, in particular to a photon payment method and system based on a photon wallet. Background technique [0002] At present, consumers can use a bank card (for example, a credit card or debit card or a third-party bank card) to swipe the card on the POS terminal for settlement when making transaction payment. Although this traditional "swipe card" payment method can allow consumers to avoid carrying a large amount of cash with them, consumers still have to carry bank cards to pay by swiping cards, which limits transaction payments. [0003] In addition to this card-swiping payment method, electronic wallet-style payment methods are being rapidly promoted, such as the common "Alipay" electronic wallet. This electronic wallet method is to install an application program app on the mobile phone. When registering an account, an electronic wallet account (Alipay account) will be generated. The user can rechar...

AI Technical Summary

Problems solved by technology

[0004] The e-wallet transaction method like Alipay also has many deficiencies. For example, it needs a smooth network environment. This kind of transaction is completed by relying on the communication network. cause the transaction to fail

The second is the security issue. The account number and password information of the electronic account are transmitted in the network, which is easily intercepted by criminals, especially when the account information is transmitted in the Wifi network, it is more likely to be stolen.

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