Card-free payment method

Abstract

The invention relates to a card-free payment method. The card-free payment method specifically comprises the steps that the account information of a user is established through a mobile terminal; the user obtains a dynamic payment number and a dynamic payment command by triggering the mobile terminal before payment is conducted; a payment request is sent to a payment server after the dynamic payment number and the dynamic payment command are input into a payment terminal, and a message indicating whether payment is conducted successfully is received; after the payment server receives the payment request, the payment server sends a request for verifying and analyzing the dynamic payment number and the dynamic payment command to a verification server and receives a verification and analysis result, the payment server judges whether the payment can be executed according to the verification and analysis result sent back by the verification server, a transaction message is sent back to the payment terminal at the same time, the dynamic payment number and the dynamic payment command become invalid if not used for payment in a specific period of time, and the user needs to obtain a new dynamic payment number and a new dynamic payment for conducting payment. The card-free payment method has the advantages that payment can be conducted conveniently and fast, and the security performance is high.

Description

technical field [0001] The invention specifically relates to a cardless payment method, which solves the security problem of cardless payment by using a terminal dynamic generation technology, and belongs to the field of financial payment transactions. Background technique [0002] With the vigorous development of electronic information technology, especially the rise of third-party payment companies, consumers can choose more and more payment methods when they consume. However, the accompanying problem is that consumers often need to carry a large number of various payment cards with them, and also need to remember various corresponding payment passwords; not only that, consumers also need to be aware of the cloning and theft of various payment cards. secret occurrence. [0003] Based on the various defects and inconveniences of card-based payment, a form of card-free payment has emerged. At present, cardless payment is roughly divided into two categories: online and offl...

AI Technical Summary

Problems solved by technology

There are not only limitations caused by objective technical reasons, but also the slow development caused by the special and complicated relationship between telecom operators and financial institutions. As we all know, for the software environment of mobile terminals (such as mobile phones, tablet computers, etc.) , its security is poor, the payment security is not fully guaranteed, and it is vulnerable to virus and Trojan attacks, resulting in theft or tampering of transaction sensitive data

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