Convenient payment method and payment device thereof

A convenient and intelligent payment technology, which is applied in the payment system, payment system structure, instruments, etc., can solve the problems of cumbersomeness, affecting the popularization of new payment methods, and the inability to realize "swipe and go" to achieve the effect of ensuring security

Inactive Publication Date: 2017-01-11
屈卫兵
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

When people make shopping settlements at physical merchants or online stores, they cannot realize the real sense of "swipe and go". They also need to enter the above-mentioned protection information for verification to prove their legal ownership of the account and then pay.
This method is cumbersome and affects the popularity of new payment methods

Method used

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  • Convenient payment method and payment device thereof
  • Convenient payment method and payment device thereof

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0045] In order to describe the technical content, structural features, achieved goals and effects of the present invention in detail, the following will be described in detail in conjunction with the embodiments and accompanying drawings.

[0046] The method disclosed in this embodiment may be applied to or implemented by a processor. A processor may be an integrated circuit chip with signal processing capabilities. In the implementation process, each step of the following method can be completed by an integrated logic circuit of hardware in a processor or an instruction in the form of software. The following processors can be general purpose processors, digital signal processors (DSPs), application specific integrated circuits (ASICs), off-the-shelf programmable gate arrays (FPGAs) or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components. Various methods, steps and logic block diagrams disclosed in the embodiments of the ...

Embodiment 2

[0067] In order to describe the technical content, structural features, achieved goals and effects of the present invention in detail, the following will be described in detail in conjunction with the embodiments and accompanying drawings.

[0068] The method disclosed in this embodiment may be applied to or implemented by a processor. A processor may be an integrated circuit chip with signal processing capabilities. In the implementation process, each step of the following method can be completed by an integrated logic circuit of hardware in a processor or an instruction in the form of software. The following processors can be general purpose processors, digital signal processors (DSPs), application specific integrated circuits (ASICs), off-the-shelf programmable gate arrays (FPGAs) or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components. Various methods, steps and logic block diagrams disclosed in the embodiments of the ...

Embodiment 3

[0089] This embodiment is a replacement for the technical solution in Embodiment 1 or 2: a smart pendant is used instead of a smart bracelet, and the smart pendant can be worn on the payer's chest.

[0090] The internal structure of the smart bracelet is the same as that of the smart bracelet.

[0091] It is conceivable that the smart bracelet can also be replaced by other types of wearable smart devices.

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Abstract

The invention relates to a convenient payment method and a payment device for realizing the method. When shopping payment is performed through the device according to the method, a mobile phone is used as a verification key for payment by utilizing the characteristic that the moderns basically carry the mobile phone. Passwords and other identity verification information do not need to be instantly inputted in payment and the payment security can be guaranteed so that the method has the effects of being convenient and rapid. All the steps of the method are completed by the payment device at the instant of payment. When payment is legal, the payer performs the action of "swiping" and does not need to perform additional input operation at the macro level so that the payment efficiency and the payment experience can be enhanced.

Description

technical field [0001] The invention relates to a convenient payment method and a payment device thereof, belonging to the field of network financial payment. Background technique [0002] The stars move and change with each passing day. [0003] Where there are people, there is trade. In ancient times, trade was carried out in the form of barter. With the development of metallurgical technology, metal coins gradually transitioned to the medium of circulation, and then paper money appeared in modern times. Payment through paper money is still the mainstream transaction method in modern society. With the development of the Internet today, the quietly emerging paperless electronic payment is rapidly changing people's payment habits. Card swiping and online shopping are no longer new things. Electronic payment has the advantages of not needing change for small payments, and no need to carry a large amount of banknotes for large payments. It is these advantages that attract pe...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/32G06Q20/38
CPCG06Q20/3278G06Q20/382G06Q2250/05
Inventor 屈卫兵陈建宇
Owner 屈卫兵
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