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Payment method, system and electronic equipment

An electronic device and payment system technology, applied in the payment system, payment system structure, payment involving neutral parties, etc., can solve the problems of inability to transfer funds in the offline state, cumbersome operation steps, poor adaptability of mobile payment, etc., and achieve transaction Convenience, simple payment operation, and wide application range

Inactive Publication Date: 2017-07-25
济南汉泰信息科技有限公司
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  • 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 poor adaptability of the application scenarios of mobile payment in the prior art, cumbersome operation steps, and the inability to pay in the offline state. Problems with transferring funds

Method used

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  • Payment method, system and electronic equipment
  • Payment method, system and electronic equipment
  • Payment method, system and electronic equipment

Examples

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Embodiment 1

[0064] 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 .

[0065] 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

[0144] 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 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. During the payment transaction, the first electronic device 100 and the server 300 are in the offline state of the network, and the second electronic device 200 and the server 300 can be in the online state of the network, and can also be in the offline state of the network with the server 300; Both the electronic device 100 and the second electronic device 200 are online with the server 300; Figure 8 shown, including:

[01...

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Abstract

The invention provides a payment method, a system and electronic equipment, wherein the method and the system are applied to first electronic equipment having the NFC function. The payment method comprises the steps of payment transaction and payment settlement. The payment transaction is conduced and completed when the first electronic equipment and a server are in the network off-line state. The payment transaction step comprises the operations of inputting a transaction request or receiving a transaction request input and sent from second electronic equipment through NFC; executing the transaction request; according to the result of the transaction request execution operation, sending a first transaction response to the second electronic equipment through NFC; generating and storing a transaction flow record. The payment settlement is conduced and completed when the first electronic equipment and the server are in the network on-line state. The payment settlement step comprises the operations of sending a non-settled transaction flow record to the server for bookkeeping; receiving a settlement result from the server; according to the settlement result, realizing the transfer of funds by a bank or a third-party payment platform. According to the technical scheme of the invention, each of two transactions parties can initiate the transaction, and the payment process is simple and rapid. The 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 Applications(China)
IPC IPC(8): G06Q20/02G06Q20/08G06Q20/32G06Q20/38
CPCG06Q20/02G06Q20/0855G06Q20/3278G06Q20/389
Inventor 不公告发明人
Owner 济南汉泰信息科技有限公司
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