No-card payment collection system and no-card payment collection method

Abstract

The invention relates to a card-free payment and collection system and method. The system comprises a payer device, an authentication device, a collector device and a payment platform. The payer device is provided with a payment application and a first wireless communication module, wherein the payment application is used for executing operations relevant to payment, and the first wireless communication module is used for being in communication connection with the authentication device. The authentication device is provided with a storage module and a second wireless communication module, wherein the storage module stores secret key information relevant to the payment platform and the collector device, and the second wireless communication module is used for being in communication connection with the payer device and the collector device. The collector device is provided with a collection application, a third wireless communication module and a display module, wherein the collection application is used for executing operations relevant to collection, the third wireless communication module is used for being in communication connection with the authentication device, and the display module is used for displaying information used for determining payment user identity legality. The payment system and method are convenient and flexible to use and high in safety.

Description

Technical field [0001] The invention relates to the field of mobile payment, in particular to a cardless payment collection system and a cardless payment collection method without network support. Background technique [0002] In the prior art, related payment patents based on Bluetooth are all based on the point-to-point transmission channel established between the payee and the payer to send payment information. Although this model provides users with a convenient non-face-to-face payment method, it still has the following deficiencies in terms of security: [0003] (1) The payer needs to sign-in authorization with the back-end payment system in advance or directly initiate the payment action, and the mobile Internet is required. Inconvenient to use when there is no network signal; [0004] (2) The payee can only collect payments passively and cannot effectively confirm the authenticity of the payer’s identity, that is, it cannot effectively prevent fraudulent transactions; [000...

AI Technical Summary

Problems solved by technology

It is inconvenient to use when there is no network signal;

[0004] (2) The payee can only collect money passively, and cannot effectively confirm the authenticity and legitimacy of the payer's identity, that is, cannot effectively prevent fraudulent transactions;

[0005] (3) An additional security module needs to be implanted in the payment collection device to store the communication key with the payment platform, payment sensitive information encryption key and other information, which increases the transformation and maintenance cost of the payee's device

If the payee's device is also a mobile device such as a mobile phone or a tablet, it can only establish a one-way secure transmission channel with the background payment system due to the lack of a security chip to store the communication key, which increases the security risk of payment;

[0006] (4) If the collection device is a mobile device such as a mobile phone, a tablet, or a notebook, the number of concurrent Bluetooth transaction connections it provides is limited, which will increase the development complexity of the payment APP and increase the power consumption of the device. Reduce the payment experience of users and merchants

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