Credit payment method and device based on mobile terminal P2P

A mobile terminal and payment device technology, applied in the field of communication, can solve the problems of user inconvenience, user loss, prepaid bus card without name, etc.

Pending Publication Date: 2017-08-01
ADVANCED NEW TECH CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] When a user uses a reusable prepaid bus card by public transportation, since the reusable prepaid bus card is not named and does not report loss, after the loss It will cause great losses to users, and users are required to go to designated outlets to purchase, recharge and refund, which also causes great inconvenience to users

Method used

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  • Credit payment method and device based on mobile terminal P2P
  • Credit payment method and device based on mobile terminal P2P
  • Credit payment method and device based on mobile terminal P2P

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Embodiment Construction

[0125] Reference will now be made in detail to the exemplary embodiments, examples of which are illustrated in the accompanying drawings. When the following description refers to the accompanying drawings, the same numerals in different drawings refer to the same or similar elements unless otherwise indicated. The implementations described in the following exemplary examples do not represent all implementations consistent with the present invention. Rather, they are merely examples of apparatuses and methods consistent with aspects of the invention as recited in the appended claims.

[0126]Mobile Payment, also known as mobile payment, users can use mobile terminals to make account payments for purchased goods or services. The mobile terminal can use NFC (Near Field Communication, near field communication) to communicate with the transaction terminal to realize the payment transaction. Among them, NFC, also known as short-distance communication, is a short-distance high-freq...

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Abstract

The invention relates to a credit payment method and a device based on mobile terminal P2P. The method comprises steps: transaction information transmitted by a transaction terminal is received; transaction response information is generated according to the transaction information, and the transaction response information is transmitted to the transaction terminal; the deduction receiving request information for the payment transaction at the time transmitted by the transaction terminal is received; according to the deduction receiving request information and the transaction response information, an application private key in the mobile terminal is generated, and a payment authorization permission is generated; and the payment authorization permission is transmitted to the transaction terminal. After the user opens the payment application, offline credit payment on the transaction terminal can be completed by using the mobile terminal, and payment transaction can be completed quickly and securely.

Description

technical field [0001] The present invention relates to the field of communication technology, in particular to a mobile terminal P2P credit payment method and device. Background technique [0002] At present, public transportation mainly includes buses and subways, and when users buy tickets by public transportation, they mainly use cash or bus cards as two payment methods. Cash payment is mainly for the public transportation system, and users can buy tickets in the form of coins. At the same time, users can also apply for a bus card in a prepaid way, and travel by bus or subway in the form of swiping the card. [0003] When users use cash to buy tickets and take the bus, on the one hand, because many buses are unmanned ticket-selling cars, there is no change, so users have to prepare small fares in advance, which brings inconvenience to users. On the other hand, after the business is over, the staff of the public transport system still need to count the small fares invest...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/08G06Q20/32G06Q20/38G06Q20/40
CPCG06Q20/085G06Q20/327G06Q20/3825G06Q20/3829G06Q20/4037G06Q20/401G06Q20/3278G06Q20/38215G06Q20/24G06Q20/3265G06Q20/08G06Q20/322G06Q20/34G06Q20/385
Inventor 陈星王磊兰杰
Owner ADVANCED NEW TECH CO LTD
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