Electronic payment method and system

An electronic payment and dynamic payment technology, applied in the payment system, payment system structure, instruments, etc., can solve problems such as low security and poor user experience, and achieve the goal of ensuring privacy, improving security, and enhancing user experience. Effect

Inactive Publication Date: 2015-06-24
SHENZHEN ARATEK BIOMETRICS TECH CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

[0003] The technical problem solved by the present invention is to provide an electronic payment method and syste

Method used

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  • Electronic payment method and system
  • Electronic payment method and system

Examples

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no. 1 example

[0040] Compared with the first embodiment of the present invention, the payment information of the electronic payment method provided by this embodiment further includes the user's fingerprint feature, and the payment server needs to verify the user's fingerprint feature and further verify the user's payment account number before performing the payment operation. The legal identity effectively reduces the security risk that the payment information is illegally intercepted or leaked, and improves the security and reliability of electronic payment.

[0041] Based on the above invention embodiment, such as image 3 As shown, the electronic payment system provided by the third embodiment of the present invention includes a mobile terminal 310, a merchant terminal 320, and a payment server 330 that exchanges information with the two through a network connection.

[0042] The mobile terminal 310 includes a display unit 311 , a payment client 312 and a first communication unit 313 . ...

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Abstract

The invention discloses an electronic payment method. The electronic payment method comprises the steps that a mobile terminal sends a payment request message to a payment server; the payment server generates a dynamic payment code according to a payment account and a time factor; a payment client side generates a payment message by combining the payment account and the dynamic payment code, and converts the payment message into a two-dimensional code for display; a merchant terminal scans the two-dimensional code to obtain the payment message, and sends an order message and the payment message to the payment server; the payment server receives and verifies the payment account and the dynamic payment code, and after verification succeeds, payment operation is carried out according to the order message. According to the technical scheme, through information interaction of the generated dynamic payment code and the two-dimensional code, the safety and privacy of electronic payment are improved, and user experience is improved.

Description

technical field [0001] The invention relates to the field of electronic payment, in particular to a payment method and system for a mobile terminal. Background technique [0002] With the rapid development of mobile Internet technology, mobile terminals such as mobile phones and tablet computers have been increasingly applied to online or offline electronic payments. For example, when making payment for online shopping, the merchant will send a link to the payment web page to the user's bound mobile phone number. The user logs in to the payment web page through the mobile phone, and the user enters the password corresponding to the bound account and the dynamic verification code. The payment server verifies the banker's password and Pay after verifying the code. The security of the user’s account password information in this payment method is not high, especially when the user’s account password information is easily peeped and obtained by others during on-site payment, res...

Claims

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Application Information

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IPC IPC(8): G06Q20/32G06Q20/40
Inventor 邵宇汪长洪
Owner SHENZHEN ARATEK BIOMETRICS TECH CO LTD
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