Payment method and system

A technology of payment system and payment request, which is applied in the direction of payment architecture, instruments, data processing applications, etc., can solve the problems of high cost, low security, inconvenience, etc., to prevent fraud, solve low security, and improve security Effects on sex and reliability

Inactive Publication Date: 2015-12-16
盛世铸成科技(天津)有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] However, the existing mobile payment methods are low in security, and merchants gener

Method used

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  • Payment method and system
  • Payment method and system

Examples

Experimental program
Comparison scheme
Effect test

Example Embodiment

[0023] Example one

[0024] figure 1 This is a schematic flow diagram of a payment method provided in the first embodiment of the present invention. The payment method provided in the embodiment of the present invention is suitable for various payment scenarios such as consumption, transfer, remittance, and borrowing. It specifically describes one NFC mobile terminal and another NFC mobile terminal. Terminal, the process of payment through the payment platform. In order to distinguish between buyers and sellers, the present invention uses "first" and "second" to distinguish different NFC mobile terminals, instead of restricting NFC mobile terminals. The method of this embodiment specifically includes the following operations:

[0025] S110. The near field communication NFC module of the first mobile terminal sends a payment request to the NFC module of the second mobile terminal, and after the payment request is encrypted, sends the payment module of the first mobile terminal;

[0...

Example Embodiment

[0042] Example two

[0043] figure 2 Shown is a schematic structural diagram of a payment system provided in the second embodiment of the present invention, such as figure 2 As shown, the system specifically includes: a first mobile terminal 210, a second mobile terminal 220, and a payment platform 230.

[0044] Among them, the first mobile terminal 210 includes an NFC module 211 and a payment module 212; the second mobile terminal 220 includes an NFC module 221 and a payment module 222. The NFC module 211 of the first mobile terminal is used to send a payment request to the NFC module 221 of the second mobile terminal. After the payment request is encrypted, it is sent to the payment module 212 of the first mobile terminal; the NFC module 221 of the second mobile terminal, Used to generate a payment instruction according to the payment request, encrypt the payment instruction, and send the payment module 222 of the second mobile terminal; the payment module 212 of the first mobi...

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PUM

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Abstract

Embodiments of the invention disclose a payment method and system. The method comprises: a near field communication NFC module of a first mobile terminal sends a payment request to the NFC module of a second mobile terminal, and sends the payment request to a payment module of the first mobile terminal after encrypting the payment request; the NFC module of the second mobile terminal generates a payment instruction according to the payment request, and sends the payment instruction to the payment module of the second mobile terminal after encrypting the payment instruction; the payment module of the first mobile terminal and the payment module of the second mobile terminal respectively send the encrypted payment request and the encrypted payment instruction to a payment platform; and the payment platform processes the transaction according to the encrypted payment request and the encrypted payment instruction. The payment method and system disclosed by the embodiments of the invention are used for solving the problem of poor security of the existing mobile payment method and improving the security and convenience of mobile payment.

Description

technical field [0001] The embodiment of the present invention relates to a mobile payment technology, in particular to a payment method and system. Background technique [0002] Currently, an NFC device integrated with a near field communication (NearField Communication, NFC) chip can support three working modes: an active mode, a passive mode and a bidirectional mode. In the active mode, the NFC device can be used as a card reader, actively providing a radio frequency field to identify and read / write other NFC devices; in the passive mode, the NFC device can be used as an integrated circuit card (Integrated Circuit Card, IC) to be read / written by other NFC devices; In the bidirectional mode, the NFC device can not only provide a radio frequency field to identify and read / write other devices, but also can be read / written by other NFC devices as an IC card. [0003] In recent years, with the rapid development of the Internet and mobile networks, online payment and mobile pa...

Claims

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Application Information

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IPC IPC(8): G06Q20/32G06Q20/08
CPCG06Q20/325G06Q20/0855G06Q20/3278
Inventor 陈业军
Owner 盛世铸成科技(天津)有限公司
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