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

A payment server and payment terminal technology, applied in the field of mobile payment, can solve the problems of inability to support offline payment transactions, affecting the promotion and application of HCE technology, etc.

Active Publication Date: 2016-11-23
CHINA TELECOM CORP LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

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)
S

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

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Embodiment Construction

[0077] The technical solutions of the present invention will be described in further detail below with reference to the accompanying drawings and embodiments.

[0078] The flowchart of an embodiment of the payment method of the present invention is as follows figure 1 shown.

[0079] In step 101, when the user uses the payment terminal to pay on the payment device, such as by swiping the mobile phone, the payment device generates a payment request according to its own number and other identifications, the time of payment and the payment amount, and sends the payment request to The payment terminal receives the payment request sent by the payment device. The payment request may also include an identification of the NFC application that the payment implement requires access to. The payment terminal receives the payment request, and forwards the request to the payment client for processing according to the NFC application identifier in the instruction.

[0080] In step 102, the ...

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PUM

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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...

Claims

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Application Information

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IPC IPC(8): G06Q20/20G06Q20/38H04L9/32
Inventor 张湘东张文安谢云李庆艳黄泽龙李洪波杨光
Owner CHINA TELECOM CORP LTD
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