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Electronic wallet payment method and electronic wallet payment system

An electronic wallet and payment system technology, applied in payment architecture, instruments, data processing applications, etc., can solve problems such as transaction payment restrictions

Active Publication Date: 2014-11-26
KUANG CHI INTELLIGENT PHOTONIC TECH
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

Although this traditional "swipe card" payment method allows consumers to avoid carrying a large amount of cash with them, consumers still have to carry bank cards for payment by swiping cards, which limits transaction payments.

Method used

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  • Electronic wallet payment method and electronic wallet payment system
  • Electronic wallet payment method and electronic wallet payment system
  • Electronic wallet payment method and electronic wallet payment system

Examples

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Embodiment Construction

[0040] The above-mentioned features and advantages of the present invention can be better understood after reading the detailed description of the embodiments of the present disclosure in conjunction with the following drawings. In the drawings, components are not necessarily drawn to scale, and components with similar related properties or characteristics may have the same or similar reference numerals.

[0041] Embodiment of electronic wallet payment system

[0042] figure 1 A block diagram of a preferred embodiment of the electronic wallet payment system of the present invention is shown. See figure 1 , the system of this embodiment includes: a payment terminal 1 and a consumption terminal 2 , and preferably also includes an account settlement platform server 3 and a user management platform server 4 .

[0043] The payment terminal 1 may be any suitable portable terminal, such as a cellular phone, satellite phone, cordless phone, personal digital assistant (PDA), handh...

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PUM

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Abstract

The invention discloses an electronic wallet payment method and an electronic wallet payment system. On one hand, the payment efficiency is improved, and on the other hand, the payment security is enhanced. The scheme is low in cost and is thus suitable for large-scale copy and promotion. The technical scheme is as follows: an application is installed on a mobile terminal, an electronic wallet is arranged in the application and is bound to a bank card, the electronic wallet is recharged by the bank card before use, and offline payment is made by use of the electronic wallet. The process of payment is realized with an acoustic, Wi-Fi or radio-frequency signal as a medium. Compared with traditional card-swiping offline payment, the electronic wallet payment method 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 mobile device-based electronic wallet payment method and system. 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. Contents of the invention [0003] A brief summary of one or more aspects is presented below to provide a basic understanding of these aspects. This summary is not an exhaustive overview of all contemplated aspects and is intended to neither identify key or critical elements of all aspects nor attempt to delineate the scope of any or all aspects. Its sole purpose is ...

Claims

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Application Information

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IPC IPC(8): G06Q20/36
CPCG06Q20/16G06Q20/36
Inventor 不公告发明人
Owner KUANG CHI INTELLIGENT PHOTONIC TECH
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