Payment method and device based on NFC

A payer and payment request technology, applied in payment architecture, instruments, data processing applications, etc., to solve problems such as hidden dangers in QR code payment methods and large spread of mobile phone viruses.

Inactive Publication Date: 2017-01-04
YULONG COMPUTER TELECOMM SCI (SHENZHEN) CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

Since the QR code scanning tool does not have the ability to identify and intercept malicious URLs, this gives a great space for mobile phone viruses to spread, making the QR code payment method a security risk

Method used

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  • Payment method and device based on NFC
  • Payment method and device based on NFC
  • Payment method and device based on NFC

Examples

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Embodiment Construction

[0088] In order to make the purpose, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions in the embodiments of the present invention will be clearly and completely described below in conjunction with the drawings in the embodiments of the present invention. Obviously, the described embodiments It is a part of embodiments of the present invention, but not all embodiments. 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.

[0089] See figure 1 with figure 2 , figure 1 It is a schematic diagram of an NFC-based payment system according to an embodiment of the present invention; figure 2 It is a schematic flow chart of an NFC-based payment method in the present invention.

[0090] figure 1 The system shown is applied to payment scenarios between individual u...

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PUM

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Abstract

The invention provides a payment method and device based on NFC. The method comprises the steps that a paying side terminal generates a wireless payment request which carries out the payment information of a paying side; the paying side terminal and a receiving side terminal builds NFC communication connection; the paying side terminal enables a wireless payment request to be transmitted to the receiving side terminal in a mode of NFC communication mode; the receiving side terminal returns collection information to the paying side terminal in a mode of NFC communication; and the paying side terminal completes the payment between the paying side and the receiving side according to the payment information and collection information. Based on the above contents, the method obtains the information of the receiving side in the mode of NFC communication. Compared with a mode of scanning a two-dimensional code, the method cannot virus or malicious URLs, and is higher in safety. Moreover, a user does not need to scan a two-dimensional code, and just needs to swipe a terminal with the NFC function on a POS machine of the receiving side. Therefore, the method is more convenient to operate.

Description

technical field [0001] The present invention belongs to the technical field of terminals, and in particular relates to a payment method and device based on NFC (Near Field Communication, near field communication). Background technique [0002] NFC is a short-range high-frequency wireless communication technology, evolved from RFID (Radio Frequency Identification, radio frequency identification). NFC allows short-distance contactless point-to-point data transmission between electronic devices. [0003] At present, many mobile terminals support NFC communication. However, the NFC functions supported by mobile terminals are usually only used to query information and recharge IC cards. Difficult to obtain large-scale application. One of the widely used mobile payment methods is QR code payment. QR code payment is a new generation of wireless payment scheme based on the account system. The information is compiled into a two-dimensional code, and the user can scan the two-dimen...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/32G06Q20/20
CPCG06Q20/202G06Q20/3278
Inventor 庄为元陈月漫巫敏华
Owner YULONG COMPUTER TELECOMM SCI (SHENZHEN) CO LTD
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