A payment method, system and electronic device

A technology of payment system and payment request, applied in the direction of payment architecture, data processing applications, instruments, etc., can solve the problems of cumbersome operation steps, poor adaptability of mobile payment, etc., and achieve the effect of simple payment operation, convenient transaction, and avoidance of leakage

Active Publication Date: 2018-09-25
济南汉泰信息科技有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0014] In view of the above-mentioned shortcomings of the prior art, the purpose of the present invention is to provide a payment method, system and electronic equipment, which are used to solve the problems of poor adaptability and cumbersome operation steps in the application scenarios of mobile payment in the prior art

Method used

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  • A payment method, system and electronic device
  • A payment method, system and electronic device
  • A payment method, system and electronic device

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Embodiment 1

[0060] For the convenience of description, the payment method in this embodiment uses figure 1 The first electronic device 100 is taken as an example. It should be noted that the payment method in this embodiment is not only applicable to the first electronic device 100 , but also applicable to the second electronic device 200 .

[0061] The payment method in this embodiment is performed by a payment system corresponding to the first electronic device 100, wherein the payment system is application software or APP (Application, application) installed in the first electronic device 100 . The application software or APP is stored in the readable medium in the form of executable instructions, and the first electronic device 100 realizes payment by running the application software or APP. Among them, the readable medium is the memory of the electronic device, including all forms of non-volatile memory, media and memory devices, including for example: semiconductor memory devices, s...

Embodiment 2

[0146] This embodiment discloses a payment system, which is applied to the first electronic device 100 and / or the second electronic device 200 with NFC function, that is, both the first electronic device 100 and the second electronic device 200 include an NFC communication module. The first electronic device 100 and the server 300 are online, and the transaction data is exchanged between the first electronic device 100 and the second electronic device 200 through the NFC communication module. Wherein, the transaction data includes a transaction request, a first transaction response and / or a second transaction response.

[0147] like Figure 7 As shown, the payment system of this embodiment includes:

[0148] A network communication module 710, configured to interact with the server through the network for settlement data; wherein, the settlement data includes transaction flow and / or settlement results;

[0149] The input module 720 is configured to input a transaction reques...

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Abstract

The invention provides a payment method, system and electronic device. The payment method is applied to a first electronic device which has NFC functions. The payment method is implemented when the first electronic device and a server are online in a network. The payment method includes the following steps: inputting a transaction request or receiving a transaction request which is input by a second electronic device by means of NFC, wherein the second electronic device has the NFC function, and the first electronic device and the second electronic device conduct data interaction between each other by means of NFC; implementing the transaction request; on the result of implementing the transaction request, transmitting a corresponding first transaction response to the second electronic device by means of NFC; generating a transaction account; and transmitting the transaction account via the network to a server for bookkeeping. According to the invention, both parties of the transaction can start the transaction, and payment is easy and fast, and user experience is improved.

Description

technical field [0001] The present invention relates to the field of network financial payment, in particular to a payment method, system and electronic equipment based on NFC (Near Field Communication, short-distance wireless communication technology). Background technique [0002] 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. However, 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 and carrying a large amount of banknotes when paying. It is these advantages that ...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G06Q20/08G06Q20/10G06Q20/32
CPCG06Q20/0855G06Q20/102G06Q20/3278
Inventor 不公告发明人
Owner 济南汉泰信息科技有限公司
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