Financial card payment and settlement method
A financial card and marking technology, which is applied in the payment field, can solve the problems of bank card holders' losses and the lack of Ukey's effective means of guaranteeing payment, and achieve the effects of improving security, preventing external malicious analysis attacks, and strengthening security guarantees
Inactive Publication Date: 2016-04-20
SHANGHAI WEARAPAY INC
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Problems solved by technology
Once the bank card information in the form of a magnetic stripe card is maliciously stolen, its static account information may be used maliciously for many times, causing greater losses to the bank card holder
[0005] In addition, when consumers use online banking to pay in online shopping malls, they usually use UKey issued by the bank to ensure payment security. However, for online payment using smartphones, there is often a lack of effective means of payment protection such as UKey.
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[0041] The following will clearly and completely describe the technical solutions in the embodiments of the present invention with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are some of the embodiments of the present invention, but not all of them. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the protection scope of the present invention.
[0042] refer to figure 1 and figure 2 , the system structural block diagram and step flow chart of the financial card payment and settlement method of the embodiment of the present invention, specifically comprising the following steps:
[0043] S101, the consumer uses the consumer APP in the mobile terminal to generate a product list after selecting desired products in an online store.
[0044] S102, the consumer initiates payment from the con...
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The invention discloses a financial card payment and settlement method. The Financial card payment and settlement method comprises the following steps that: a commodity list is generated after a consumer selects commodities in an online mall; payment is initiated according to the commodity list; a device integrating financial card payment and settlement is activated, and a payment request is transmitted to the device, the device integrating financial card payment generates a POS message and transmits the POS message to a POS operator through a cloud service platform; the POS operator performs settlement through a traditional payment network, and then, returns an electronic payment result; the online mall receives the electronic payment result and returns an electronic cash register receipt; and after correctness is checked, the commodities are delivered. According to the financial card payment and settlement method of the invention, the device integrating financial card payment and settlement is adopted, so that the consumer can conveniently perform online payment when doing shopping in the online mall; the device integrating financial card payment and settlement can improve the security of a payment process through bi-directional security authentication of a POS module and the POS operator.
Description
technical field [0001] The invention belongs to the field of payment, and in particular relates to a financial card payment and settlement method. Background technique [0002] The existing payment and settlement modes for consumption with bank cards usually include the payment and settlement mode of swiping a POS terminal with a bank card in the offline consumption payment settlement scenario and payment settlement through bank online banking or third-party payment in the online consumption payment settlement scenario. mode, and other payment and settlement modes. [0003] Consumers usually use mobile terminals to shop in online malls, especially young consumers like to use smartphones for online shopping. When using smartphones for online shopping, due to the risk of malicious tampering of mobile applications and online shopping QR codes on smartphones, the bank card account information of relevant consumers is easily stolen during the online shopping process. In additio...
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IPC IPC(8): G06Q20/20G06Q20/38
CPCG06Q20/20G06Q20/387
Inventor 徐雄伟张亦农杨铁党任庆亮
Owner SHANGHAI WEARAPAY INC