Management method for account information, account management server and a POS terminal and system

Abstract

A method of protecting account information at an account management server having one or more processors, and memory, comprising: receiving, from a portable electronic device associated with a first user account, a request to make a payment at the portable electronic device. In response to the payment request, creating a temporary first account access code associated with the first user account, storing a copy of the first account access code at the server and sending the first account access code to the portable electronic device. The method including receiving a transaction confirmation request sent from a sales terminal, wherein the transaction confirmation request comprises a second account access code, and in accordance with a determination that the second account access code matches the first account access code stored at the server, sending a transaction confirmation message to the sales terminal.

Description

technical field [0001] The invention relates to the field of computer technology, in particular to an account information management method, an account management server, a sales terminal and a system. Background technique [0002] Prepaid cards are prepaid value carriers for users to purchase goods or services from issuing institutions, including prepaid cards issued in the form of cards and passwords using magnetic stripe, chip and other technologies. For example, for commonly used phone cards, online game cards, coupons, etc., goods or services can be purchased within a certain amount of money. [0003] At present, the prepaid card information can be directly sent to the user's mobile phone by the prepaid card management server, and the user does not need to carry an additional prepaid card. This convenient method is more and more popular among users. When a user pays with a prepaid card, the merchant usually directly scans the prepaid card number information stored in t...

AI Technical Summary

Problems solved by technology

[0004] However, the inventor of the present invention found in the process of realizing the present invention that the prepaid card number information issued by the prepaid card management server to the user's mobile phone in the prior art is a static card number owned by the user, and the merchant scans the card number through the sales terminal. The prepaid card number information can be used to obtain the static card number. The static card number is easy to be copied, resulting in the leakage of the prepaid card number. If the merchant or a third party uses the copied static card number, it can also be scanned by the sales terminal for payment. The security of the user's fund account can only be guaranteed by the password set by the user. If the password is leaked again, and the third party obtains the leaked password, the third party can complete the entire payment process, which will lead to the loss of the user's fund account. loss

Therefore, there is a great security risk in the existing prepaid card payment method

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