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Mobile payment method, device and system

A mobile payment and background system technology, applied in the field of mobile communication, can solve the problems of high equipment cost and increased equipment cost of mobile payment products, and achieve the effects of reducing equipment cost, avoiding fraud and improving security.

Inactive Publication Date: 2015-03-04
CHINA CONSTRUCTION BANK
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0006] 1. High equipment cost: It is necessary to install and modify the software and hardware of existing POS terminals and mobile phones, such as adding NFC non-contact card readers or QR code scanning modules to POS, and mobile phones need to support NFC frequent communication technology , leading to an increase in the equipment cost of mobile payment products;
[0007] 2. There are potential safety hazards: the method of directly scanning or reading the information in the card or the two-dimensional code to conduct transactions is easy to be skimmed and stolen, that is, criminals can install a memory storage function on the POS terminal and can store the magnetic card. A device that reads and records all the magnetic stripe information, through which the consumer's bank card information and password can be secretly recorded, so that "clone cards" can be manufactured for fraudulent use

Method used

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  • Mobile payment method, device and system

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0058] figure 1 It is a flowchart of a mobile payment method provided in Embodiment 1 of this application.

[0059] Such as figure 1 As shown, the method includes:

[0060] S101. The POS terminal receives the input mobile phone number and dynamic verification code;

[0061] Specifically, the dynamic verification code is provided by the application module on the mobile device, and is fed back to the application module after the background system of the card issuing bank verifies that the payment authorization transaction request sent by the application module is legal.

[0062] S102. The POS terminal generates a transaction request and sends it to the background system of the issuing bank. The transaction request carries a mobile phone number and a dynamic verification code;

[0063] S103. The POS terminal receives the transaction result fed back after the background system of the card issuing bank verifies that the transaction request is legal and executes the payment trans...

Embodiment 2

[0073] figure 2 It is a schematic structural diagram of a mobile payment device provided in Embodiment 2 of the present application.

[0074] Such as figure 2 The mobile payment device shown is applied to a POS terminal, wherein the mobile payment device includes:

[0075] Information receiving unit 11, used to receive the input mobile phone number and dynamic verification code;

[0076] Specifically, the dynamic verification code is provided by the application module on the mobile device, and is fed back to the application module after the background system of the card issuing bank verifies that the payment authorization transaction request sent by the application module is legal.

[0077] The transaction request sending unit 12 is used to generate a transaction request and send it to the background system of the issuing bank. The transaction request carries a mobile phone number and a dynamic verification code;

[0078] The transaction result receiving unit 13 is used t...

Embodiment 3

[0081] image 3 It is a flowchart of a mobile payment method provided in Embodiment 3 of this application.

[0082] Such as image 3 As shown, the method includes:

[0083] S201. The application module loaded on the mobile device receives the startup password input by the user, and after passing the verification, sends a payment authorization transaction request to the background system of the issuing bank;

[0084] Specifically, a mobile payment method provided by the embodiment of the application is applied to a mobile device, and the application module on the mobile device can receive the activation password input by the user; only after the verification of the activation password is correct, can the payment method provided by the embodiment of the application be used. The application module on the mobile device carries out the mobile payment process, that is, the application module on the mobile device is used to send a payment authorization transaction request to the ba...

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Abstract

The invention provides mobile payment method, device and system. The method comprises the following steps: receiving an input phone number and a dynamic verifiable code through a POS terminal, wherein an application module on a mobile device provides the dynamic verifiable code, and the dynamic verifiable code is fed back to the application module after a background system of an issuing bank verifies that the payment authorization transaction request sent by the application module is legal; creating a transaction request and sending to the background system of the issuing bank. According to the mobile payment method, the phone number and the dynamic verifiable code carried by the transaction request are treated as the evidence for the background system of the issuing bank to determine the legality of the transaction request; the software and the hardware of the existing POS terminal and a mobile phone are avoided adding and reconstructing; in addition, the circumstance that a criminal manufactures a cloned card for stealing the true card can be avoided, and thus the safety is improved while the device cost is decreased.

Description

technical field [0001] The present invention relates to the technical field of mobile communication, and more specifically, relates to a mobile payment method, device and system. Background technique [0002] At present, there are roughly two methods of mobile payment: Near Field Communication (NFC) mobile payment and QR code payment, among which: [0003] The NFC mobile payment method is as follows: pre-set financial integrated circuit card (Integrated Circuit Card, IC card) data in a customized mobile phone with NFC near-field interaction capability, and at the same time install NFC contactless on the point of sale (POS) terminal of the merchant Customers (that is, consumers) can interact with the contactless card reader of the merchant's POS terminal through the mobile phone, and the POS terminal can complete the transaction by reading the financial IC card information in the mobile phone. [0004] The QR code payment method is as follows: the customer applies to the car...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/20G06Q20/32G06Q20/40
CPCG06Q20/20G06Q20/322G06Q20/382
Inventor 杨杰罗恕人侯戬
Owner CHINA CONSTRUCTION BANK
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