A kind of Internet of things payment equipment and working method thereof

Abstract

The invention discloses Internet-of-Things payment equipment and an operating method thereof, which relate to the technical field of mobile payment. The Internet-of-Things payment equipment comprises a main control chip, a secure storage chip, an Internet-of-Things communication chip, an Internet-of-Things antenna and a power supply, wherein the secure storage chip, the Internet-of-Things communication chip and the power supply are connected with the main control chip, and the Internet-of-Things antenna is connected with the Internet-of-Things communication chip; the secure storage chip is used for storing user security information; the Internet-of-Things communication chip is used for enabling the Internet-of-Things payment equipment to realize data transmission and reception via the Internet of Things; the Internet-of-Things antenna is used for connecting the Internet-of-Things communication chip to the Internet-of-Things; the power supply is used for providing an operating current to the main control chip; and the main control chip is used for processing operation of the secure storage chip and the Internet-of-Things communication chip in a cooperative manner. The Internet-of-Things payment equipment and the operating method thereof are used for ensuring the security of payment while improving payment convenience and lowering payment threshold.

Description

technical field [0001] The invention relates to the technical field of mobile payment, in particular to an Internet of Things payment device and a working method thereof. Background technique [0002] The current online payment field is divided into the following two payment methods according to whether the payment requires the participation of a physical card: [0003] Card-less payment: Card-less payment such as Alipay, WeChat, etc., all need to bind the physical card number first. When paying, only the payment password of Alipay or WeChat is guaranteed. This kind of payment security level is low, and the anti-counterfeiting authentication function of the physical card itself is completely abandoned, which also reduces the security of payment. [0004] Card-present payment: In the field of card-present payment, since the card book does not have the function of networking, it is necessary to communicate with the card through communication interfaces such as NFC, Bluetooth...

AI Technical Summary

Problems solved by technology

Although this method improves the security of transactions, it depends on the communication interface of mobile phones, computers and other devices, so it must depend on the degree of support of the device for the interface, and the operation methods of NFC, Bluetooth and USB of different devices are different. , resulting in vastly different user experiences, and many devices have compatibility issues with several interfaces, making this payment method with a card a very high threshold for mass users

[0005] As can be seen from the above, in the current card payment, the card must rely on the user to provide additional equipment to connect to the Internet. That is to say, the current payment card access network needs to rely on the channel of external equipment, which has poor payment convenience and payment threshold. High defect; and non-card payment, such as Alipay, WeChat has the defect of low security

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