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IoT-based payment method and system

A technology of payment system and Internet of Things, applied in the direction of payment system, payment system structure, data processing application, etc., can solve the problems of hidden dangers of payment security, high use threshold, economic loss, etc., and achieve the effect of improving security

Active Publication Date: 2020-02-07
HENGBAO
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0002] In the existing online card-free payment methods, such as Alipay and WeChat, there are payment security risks. This is because most users are logged in to Alipay or WeChat. Once the mobile phone is lost or someone else obtains the login information, it is very difficult to possible economic loss
[0003] Or, using Bluetooth and other methods to do online card payment, although the security is higher than that of cardless payment, the threshold for using Bluetooth is high. This is because Bluetooth must communicate with external devices (smart phones) when making payments. or smart tablet) to connect, the connection process is more complicated, which makes the payment operation complicated and time-consuming, resulting in inconvenient use and poor popularity.

Method used

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  • IoT-based payment method and system

Examples

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Embodiment 1

[0043] The embodiment of the present invention provides a payment method based on the Internet of Things, such as figure 1 As shown, the IoT-based payment party includes:

[0044] Step S1, encrypting the information of the Internet of Things card.

[0045] Step S2, the IoT card sends the encrypted IoT card information to the server.

[0046] Step S3, the server decrypts the received encrypted IoT card information, obtains the IoT card information, and generates transaction information according to the IoT card information.

[0047] Step S4, the server encrypts the transaction information, and sends the encrypted transaction information to the IoT card.

[0048] Step S5, the IoT card decrypts the received encrypted transaction information to obtain the transaction information.

[0049] Step S6, the Internet of Things card authenticates the obtained transaction information, and sends the authentication result of the transaction information to the server.

[0050] Step S7, th...

Embodiment 2

[0078] This embodiment provides a payment system based on the Internet of Things, and the payment system based on the Internet of Things is applicable to the payment method based on the Internet of Things in the first embodiment above.

[0079] payment system such as Figure 2-Figure 3 As shown, the payment system includes Internet devices, an Internet of Things device management platform, an Internet of Things base station, a payment platform, and an Internet of Things payment card. Internet devices can be various computing devices, such as mobile terminals such as mobile phones and PADs, or computers. The IoT device management platform and the payment platform can be computing devices or software running on computing devices. The Internet of Things base station and the Internet of Things payment card realize communication based on the Internet of Things, and the structure of the Internet of Things payment card is as follows: image 3 As shown, it includes: IoT network ante...

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Abstract

The invention discloses an Iot based payment method and system, relates to the technical field of payment, and realizes a payment function of an online card. The IoT based payment method comprises that IoT card information is encrypted; an IoT card sends the encrypted IoT card information to a server; the server decrypts the received encrypted IoT card information, and obtains the IoT card information; transaction information is generated according to the IoT card information; the server encrypts the transaction information, and send the encrypted transaction information to the IoT card; the IoT card decrypts the received encrypted transaction information, and obtains the transaction information; the IoT card authenticates the obtained transaction information, and sends an authentication result of the transaction information to the server; and the server obtains the authentication result, and a transaction is ended. The system and card are used for online payment.

Description

technical field [0001] The present invention relates to the technical field of payment, in particular to a payment method and system based on the Internet of Things. Background technique [0002] In the existing online card-free payment methods, such as Alipay and WeChat, there are payment security risks. This is because most users are logged in to Alipay or WeChat. Once the mobile phone is lost or someone else obtains the login information, it is very difficult to Economic loss may result. [0003] Or, use bluetooth and other methods to do online card payment. Although the security is higher than that of cardless payment, the threshold for using bluetooth is high. This is because bluetooth must communicate with external devices (smart phones) or smart tablet) to connect, the connection process is more complicated, which makes the payment operation complicated and time-consuming, resulting in inconvenient use and poor popularity. Contents of the invention [0004] The pu...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G06Q20/34G06Q20/32G06Q20/38G06Q20/40
CPCG06Q20/325G06Q20/34G06Q20/3829G06Q20/4014
Inventor 高岚陆道如
Owner HENGBAO