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Payment method and system

A payer and payee technology, applied in the electronic field, can solve problems such as complex operation process, achieve the effects of short time consumption, avoiding potential safety hazards, and improving user experience

Inactive Publication Date: 2016-10-05
李明
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

It can be seen that in the existing electronic payment process, the user needs to perform two operations, the first time to put the bank card on the POS machine to establish a connection with the POS machine, and the second time the user needs to enter the password, the operation process is complicated

Method used

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Embodiment 1

[0040] Human body communication is a new short-distance communication technology emerging in recent years, which is mainly used to solve the communication problem of body area network with human body as the carrier. It uses the human body as the transmission medium of electrical signals to realize the information interaction between the body surface, inside the body and surrounding (3-5 meters) medical care equipment. Since the signal is transmitted through the human body in the process of human body communication, the electromagnetic noise has little influence on it, and has the advantages of low power consumption, high confidentiality, and lower human body damage. In addition, because there is no problem of reduced efficiency when multiple people communicate, it can also avoid the trouble of redundant connections in wired communication. Based on this, the present invention proposes a payment method that uses human body communication to transmit matching information, and esta...

Embodiment 2

[0105] This embodiment provides a payment system, such as figure 2 As shown, the payment system includes: a payee device 10 and a payer device 20, wherein:

[0106] The payee device 10 and the payer device 20 are used to establish a human body communication connection through the biological limb after the biological limb enters the preset range of the payee device 10; transmit matching information through the human body communication connection, and use the matching information to establish the first A wireless communication connection; the payer device 20 is also used to send the first authentication information to the payee device 10 through the first wireless communication connection, wherein the first authentication information includes: digital authentication information; the payee device 10, It is also used to receive the first authentication information transmitted by the payer device 20 through the first wireless communication connection; during the duration of the bi...

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Abstract

The invention provides a payment method and system. The method comprises the steps that receiving side equipment establishes human body communication connection with payment side equipment through a biological limb after the biological limb enters the preset range of the receiving side equipment; the receiving side equipment transmits matching information to the payment side equipment through human body communication connection and establishes first wireless communication connection by utilizing the matching information; the payment side equipment transmits first authentication information to the receiving side equipment through first wireless communication connection, wherein the first authentication information includes digital authentication information; the receiving side equipment receives the first authentication information transmitted by the payment side equipment through first wireless communication connection; the receiving side equipment acquires biological characteristic information of the biological limb during the time when the biological limb enters the preset range of the receiving side equipment; the receiving side equipment acquires an authentication result of authentication of the digital authentication information and the biological characteristic information; and the receiving side equipment performs payment transaction under the condition that the authentication result indicates passing of authentication.

Description

technical field [0001] The invention relates to the field of electronic technology, in particular to a payment method and system. Background technique [0002] Compared with cash payment, electronic payment has the advantages of safety, speed and reliability. As a payment terminal, POS machine is widely used in electronic payment. Some existing POS machines read the cardholder's magnetic stripe information of the bank card through the card reader, the operator of the POS machine enters the transaction amount, the cardholder swipes the bank card on the POS machine, and then enters the password. The information is uploaded to the background of the bank to complete the online transaction. It can be seen that in the existing electronic payment process, the user needs to perform two operations, the first time to put the bank card on the POS machine to establish a connection with the POS machine, and the second time the user needs to enter the password, and the operation process...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/40G06Q20/38G06Q20/32G08C17/02
CPCG06Q20/40145G06Q20/327G06Q20/382G06Q20/3825G06Q20/3829G08C17/02
Inventor 李明
Owner 李明