Payment terminal, payment tool, payment server, payment system and payment processing method

Abstract

The invention provides a payment terminal, a payment tool, a payment server, a payment system and a payment processing method, and relates to the field of mobile payment. The payment method provided by the invention comprises that the payment terminal receives a payment request which is sent by the payment tool and comprises a payment tool number, payment time and payment amount, the payment request is forwarded to the payment server, and the payment server generates a virtual card number and a dynamic key according to the payment tool number, the payment time and the payment amount; the payment terminal generates a payment confirmation message in an encrypted manner by using the virtual card number and the dynamic key, and sends the payment confirmation message to the payment tool; the payment terminal receives a payment result from the payment tool; and the payment terminal forwards the payment result to the payment server, and the payment server processes the payment according to the payment result. Through the method provided by the invention, a unique virtual card number and a unique dynamic key can be generated, so that the risk caused by circumstances that the payment terminal is intruded and data is stolen is effectively avoided, and safe payment of the payment tool at an off-line state is realized.

Description

technical field [0001] The invention relates to the field of mobile payment, in particular to a payment terminal, equipment, server, system and payment processing method. Background technique [0002] NFC (Near Field Communication, Near Field Communication) is a short-range high-frequency wireless communication technology. NFC technology provides a simple, touch-enabled solution for mobile devices, consumer electronics, PCs and more, allowing consumers to exchange information and access content and services simply and intuitively. Therefore, NFC technology is considered to have great application prospects in the field of mobile payment, and can be widely used in many fields such as smart media, identity recognition, and information exchange. The development has gradually become the mainstream trend and standard of international mobile payment. However, due to the complexity of NFC technology, mobile phone terminals and SIM cards need to be upgraded and transformed. Therefo...

AI Technical Summary

Problems solved by technology

However, the current HCE technical solutions are only applicable to online payment transactions (POS devices need to be connected to the background in real time), and cannot support offline payment transactions (POS devices have no connection to the background)

Since the current application scenarios of card consumption in China are mainly offline payment applications such as buses and school-enterprise cards, the inability to support offline payment transactions will affect the promotion and application of HCE technology

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