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Device integrating functions of finance card payment and settlement and finance card payment and settlement method

A financial card, all-in-one technology, applied in payment architecture, computing, payments involving neutral parties, etc., can solve problems such as easy theft of consumers' bank account information, restrictions on the use of payment scenarios, and upper limit of payment amount, etc., to prevent The effect of malicious parsing attacks, improving security and convenience, and protecting data security

Inactive Publication Date: 2016-05-25
SHANGHAI WEARAPAY INC
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

Consumers, especially young consumers, often use mobile terminals such as smartphones for online shopping. During the online payment process, there is a risk of malicious tampering with mobile applications and online shopping QR codes installed on smart terminals. of bank account information is vulnerable to theft
In addition, when using QR codes for online shopping, there is usually an upper limit on the amount of payment, such as the upper limit of 5,000 yuan. Compared with payment by swiping a card on a POS terminal, there are certain restrictions on the use of payment scenarios

Method used

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  • Device integrating functions of finance card payment and settlement and finance card payment and settlement method
  • Device integrating functions of finance card payment and settlement and finance card payment and settlement method
  • Device integrating functions of finance card payment and settlement and finance card payment and settlement method

Examples

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Embodiment 1

[0046] refer to figure 1 As shown, the present invention provides a device 100 integrating financial card payment and settlement. The device includes a control module 101, a short-range communication module 102, a POS (PointOfSale) module 103, a UICC (Universal Integrated Circuit Card, universal integrated circuit card) The card module 104 and the network communication module 105, the short-range communication module 102, the POS module 103, the UICC card module 104 and the network communication module 105 are respectively electrically connected to the control module 101, and the control module 101 coordinates and controls the UICC card module 104 and the POS module. 103. Working state and function setting and adjustment between the short-range communication module 102 and the network communication module 105. Optionally, the short-range communication module 102 is a communication interface between a device integrating financial card payment and settlement and a mobile termina...

Embodiment 2

[0064] In this embodiment, the present invention provides a financial card payment and settlement method, which is applied to a payment process implemented by a device integrating financial card payment and settlement. The device integrating financial card payment and settlement includes a control module, The short-range communication module, POS module, UICC card module and network communication module, the specific module schematic diagram can refer to figure 2 shown, refer to image 3 shown, including the following steps:

[0065] Step S1, the control module receives the payment request from the external mobile terminal through the short-range communication module and forwards the payment request to the POS module.

[0066] Further, the POS module sends the payment instruction to the control module.

[0067] Step S2, the control module sends a payment mark request including a payment mark generation instruction to the UICC card module. Optionally, the UICC card module i...

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Abstract

The invention discloses a device integrating functions of finance card payment and settlement and a finance card payment and settlement method. The device comprises a control module, a short distance communication module, a POS module, a UICC card module and a network communication module, wherein the short distance communication module, the POS module, the UICC card module and the network communication module are electrically connected with the control module, a payment request from an external mobile terminal is received by the control module through the short distance communication module and is forwarded to the POS module, a payment mark is sent by the UICC card module through the control module to the POS module, the payment mark is received by the POS module, and a POS message is generated by the POS module and is sent to a POS service provider through the network communication module. Through the device integrating the functions of finance card payment and settlement, payment and settlement can be accomplished by consumers at merchant stores, online shopping payment can be further realized, and the device is rapid and convenient.

Description

technical field [0001] The invention belongs to the field of mobile payment, and in particular relates to a device integrating financial card payment and settlement and a financial card payment and settlement method. Background technique [0002] The current consumption transaction mode mainly includes offline transaction mode and online transaction mode. [0003] Among them, in the offline transaction mode, consumers can use cash to pay, or they can pay by card. Credit card payment means that when consumers pay for shopping at the merchant's physical store, the consumer uses a bank card to swipe the POS terminal at the merchant's cashier to pay for the purchased goods. In the application scenario of credit card payment, the bank card and the POS terminal are two separate entities. The bank card is held by the consumer and the POS terminal is held by the merchant. [0004] In order to smoothly and successfully implement credit card payment in offline transaction mode, both...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/20G06Q20/32G06Q20/02
CPCG06Q20/02G06Q20/20G06Q20/3229G06Q20/3278
Inventor 徐雄伟张亦农杨铁党任庆亮
Owner SHANGHAI WEARAPAY INC