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Electronic payment method, device and terminal

An electronic payment and element technology, applied in the electronic field, can solve the problems of unreadable payment information, payment failure, etc., to reduce the risk of complete loss and achieve the effect of smooth completion

Inactive Publication Date: 2017-04-19
NUBIA TECHNOLOGY CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

It can be seen that in the prior art, there is a risk that the user's payment information cannot be read, which may lead to payment failure

Method used

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  • Electronic payment method, device and terminal
  • Electronic payment method, device and terminal
  • Electronic payment method, device and terminal

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0065] Based on the aforementioned embodiments, this embodiment of the present invention provides an electronic payment method, which is applied to a terminal, and the terminal can be a computer, a tablet computer, or a smart phone. The functions realized by the electronic payment method can be processed through the terminal. The program code is invoked by the device to implement, of course, the program code can be stored in a computer storage medium, it can be seen that the terminal includes at least a processor and a storage medium.

[0066] Figure 1-3 It is a schematic flow chart of the electronic payment method in Embodiment 1 of the present invention, such as Figure 1-3 As shown, the electronic payment methods include:

[0067] S101: Receive a payment confirmation instruction input by the user;

[0068] Here, the payment confirmation instruction is used to trigger online payment. The payment confirmation instruction can be an instruction for triggering online payment ...

Embodiment 2

[0087] Based on the aforementioned embodiments, this embodiment of the present invention provides an electronic payment method, which is applied to a terminal. The functions implemented by the electronic payment method can be implemented by calling program codes from the processor in the terminal. Of course, the program codes can be stored in a computer storage medium, it can be seen that the terminal includes at least a processor and a storage medium.

[0088] figure 2 It is a schematic flow chart of the electronic payment method in Embodiment 2 of the present invention, such as figure 2 As shown, the electronic payment methods include:

[0089] S201: Receive a payment confirmation instruction input by the user, wherein the payment confirmation instruction is used to trigger online payment;

[0090] S202: In response to the payment confirmation instruction, send verification element request information to N storage nodes, where the verification element request information...

Embodiment 3

[0101] Based on the aforementioned embodiments, this embodiment of the present invention provides an electronic payment method, which is applied to a terminal. The functions implemented by the electronic payment method can be implemented by calling program codes from the processor in the terminal. Of course, the program codes can be stored in a computer storage medium, it can be seen that the terminal includes at least a processor and a storage medium.

[0102] image 3 It is a schematic flow chart of the electronic payment method in Embodiment 3 of the present invention, such as image 3 As shown, the electronic payment methods include:

[0103] S301: Receive a payment confirmation instruction input by the user, wherein the payment confirmation instruction is used to trigger online payment;

[0104] S302: In response to the payment confirmation instruction, send verification element request information to N storage nodes, where the verification element request information i...

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PUM

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Abstract

The embodiment of the invention discloses an electronic payment method comprising the following steps: receiving a user inputted payment confirm order; responding to the payment confirm order, sending verify essential factor request information to N storage nodes, wherein the verify essential factor request information is used for requesting a server to issue verify essential factors forming an identity verify template, and N is an integer >=2; receiving M verify essential factors of K storage nodes from N storage nodes, wherein K and M are respectively integer >=1, and K is <N; combining M verify essential factors so as to form the identity verify template; using the identity verify template to verify user inputted to-be-verified information; if verification fails, using a backup identity verify flow to verify the to-be-verified information; if the backup identity verify flow successes, sending an online payment order to the server, wherein the online payment order is used for indicating the server to carry out online payment. The embodiment also discloses an electronic payment device and a terminal.

Description

technical field [0001] The present invention relates to the field of electronic technology, in particular to an electronic payment method, device and terminal. Background technique [0002] Mobile payment, also known as mobile payment, is a service method that allows users to use terminals to pay for the goods or services they consume. Mobile payment integrates terminals, the Internet, application providers and financial institutions to provide users with currency Payment, payment and other financial services. [0003] In the prior art, the payment information needed to complete the payment is stored in different storage nodes by distributing and storing the user's bank card number, bank card validity period, bank card card verification code, user name, etc. When receiving a payment command, read the first part of the payment information corresponding to the payment command from the first storage device; read the second part of at least one payment information from the seco...

Claims

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Application Information

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IPC IPC(8): G06Q20/16G06Q20/40G06Q20/38H04L29/06
CPCG06Q20/16G06Q20/385G06Q20/4014H04L65/1073
Inventor 马战胜刘月松
Owner NUBIA TECHNOLOGY CO LTD