Looking for breakthrough ideas for innovation challenges? Try Patsnap Eureka!

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
View PDF7 Cites 49 Cited by
  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] The technical problem solved by the present invention is to provide an electronic payment method and system to solve the technical problems of low security and poor user experience in existing electronic payment methods

Method used

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
View more

Image

Smart Image Click on the blue labels to locate them in the text.
Viewing Examples
Smart Image
  • Electronic payment method and system
  • Electronic payment method and system
  • Electronic payment method and system

Examples

Experimental program
Comparison scheme
Effect test

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 . ...

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to View More

PUM

No PUM Login to View More

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

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to View More

Application Information

Patent Timeline
no application Login to View More
IPC IPC(8): G06Q20/32G06Q20/40
Inventor 邵宇汪长洪
Owner SHENZHEN ARATEK BIOMETRICS TECH CO LTD
Who we serve
  • R&D Engineer
  • R&D Manager
  • IP Professional
Why Patsnap Eureka
  • Industry Leading Data Capabilities
  • Powerful AI technology
  • Patent DNA Extraction
Social media
Patsnap Eureka Blog
Learn More
PatSnap group products

Browse by: Latest US Patents, China's latest patents, Technical Efficacy Thesaurus, Application Domain, Technology Topic, Popular Technical Reports.

© 2024 PatSnap. All rights reserved.Legal|Privacy policy|Modern Slavery Act Transparency Statement|Sitemap|About US| Contact US: help@patsnap.com