A mobile payment transaction method

A transaction method and mobile payment technology, applied in the field of on-site financial transactions, can solve the problems of ETC equipment UnionPay card stolen, stolen, and long time, and achieve the effect of safe on-site transaction, fast and real-time account receipt, and simple method.

Active Publication Date: 2020-05-19
黄志军
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, the smart device that obtains the payer's payment account information and password information is controlled by the payee, so there is a risk of the payer's payment account information leaking, and many such accidents have occurred in real life
[0007] 2. The designated IP address server system (such as bank transaction settlement platform, UnionPay cross-bank transaction settlement system, etc.) needs to receive the complete account information and payment password information of both parties to the transaction and verify them when performing transaction settlement. Complicated, inefficient, and time-consuming
[0008] 3. If efficiency is improved, such as password-free payment, there will be a risk of being stolen
For example, UnionPay once launched a password-free transaction settlement within 300 yuan. Because the ETC device inserted into the UnionPay card of the payer is not a networked device, the UnionPay card in the ETC device was stolen and swiped, which caused a sensation nationwide.
[0009] 4. The receiving bank account and the paying bank account are often not the same bank, that is, the so-called cross-bank and cross-regional problems. The existing technical solutions have technical defects such as a long time for funds to arrive
It is the existing accounting association method that causes the payee's smart device to receive all the payer's account information and payment password
Due to the mixed quality of merchants, once the payee's smart device is used by criminals, the payer's payment information may face the risk of leakage, which will lead to the risk of the payer's account funds

Method used

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  • A mobile payment transaction method
  • A mobile payment transaction method
  • A mobile payment transaction method

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0046] The two parties to the transaction are the same payment platform, that is, the designated IP address server systems of the two parties to the transaction are the same, for example, the accounts of the payee and the payer are both ICBC transaction settlement server systems, and the transactions are in the same country's currency.

[0047] Now take the example where the payee initiates a transaction request and the payer responds to the payment request (see figure 2 ):

[0048] 1. The payee's smart devices, such as cash registers, POS machines, mobile phones, PDAs, tablet computers, laptops, computers, etc., connect to the designated IP address server system P through 2G or 3G or 4G or 5G or WiFi ( ICBC transaction settlement server);

[0049] 2. The smart device of the payee sends the identity information, such as account information or user name or mobile phone number, etc., to the designated IP address server system P for identity authentication;

[0050] 3. Designa...

Embodiment 2

[0066] The two parties to the transaction are the same payment platform, that is, the designated IP address server systems of the two parties to the transaction are the same, for example, the accounts of the payee and the payer are both ICBC transaction settlement server systems, and the transactions are in the same currency.

[0067] Now take the example where the payer initiates a transaction request and the payee responds to the request (see image 3 ):

[0068] 1. The payee's smart devices, such as cash registers, POS machines, mobile phones, PDAs, tablet computers, laptops, computers, etc., connect to the designated IP address server system P through 2G or 3G or 4G or 5G or WiFi;

[0069] 2. The smart device of the payee sends the identity information, such as account information or user name or mobile phone number, etc., to the designated IP address server system P for identity authentication;

[0070] 3. Designate the IP address server system P to authenticate the iden...

Embodiment 3

[0086] The two parties to the transaction are the same payment platform, that is, the designated IP address server system of the two parties to the transaction is the same, and the transaction is in different currencies. Assume that the Chinese RMB M is equal to the US dollar N.

[0087] Now take the example where the payee initiates a transaction request and the payer responds to the payment request (see Figure 4 ):

[0088] 1. The payee's smart device connects to the specified IP address server system P through 2G or 3G or 4G or 5G or WiFi;

[0089] 2. The smart device of the payee sends the identity information, such as account information or user name or mobile phone number, etc., to the designated IP address server system P for identity authentication;

[0090] 3. Designate the IP address server system P to authenticate the identity information of the payee's smart device. If the information is correct, it will pass the authentication of the payee's smart device. If the i...

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PUM

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Abstract

Aiming at the situation that at the conventional on-site payment, only the intelligent device of a payee is connected with a network, but the intelligent device of the payment party is not connected with the network, so that the payment information and the transaction ciphers are leaked, the present invention discloses a mobile payment transaction method. The mobile payment transaction method enables the intelligent devices of the payee and the payment party to be connected with the network both at the on-site payment and enables a conventional mobile payment debit and credit correlation mode to be changed, and the information transmitted between the intelligent devices of the payee and the payment party does not contain the account information and the payment cipher information of the two parties, and the random numbers or the dynamic passwords and the transaction time vouchers are used as the correlation bases of the payment two parties, thereby completely eradicating the bug that the payment account information and the payment cipher information are leaked at the on-site payment, guaranteeing the fund security of the payment party, and realizing the convenient and quick on-site payment.

Description

technical field [0001] The invention belongs to the technical field of mobile payment applications, in particular to a method for realizing on-site financial transactions by using an intelligent mobile Internet device to communicate with a designated IP address server system. Background technique [0002] The existing on-site payment method is to read the magnetic stripe information on the bank card through the magnetic stripe reader on the UnionPay POS machine, or insert the financial IC bank card into the read-write terminal of the UnionPay POS machine to read the account of the financial IC bank card information, or use the NFC (near-field non-contact communication technology) reader terminal of UnionPay POS to obtain the financial IC bank card or the bank card information bound in the smart phone with NFC function, and the UnionPay POS machine will transfer the current transaction settlement information The information, the payment password information of the payer and t...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G06F21/71
CPCG06Q20/102G06Q20/322G06Q20/401
Inventor 黄志军
Owner 黄志军
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