Payment method, payment system, novel POS machine and payment core system

A POS machine and core system technology, applied in the field of payment verification, can solve problems such as the inability to meet virtual account payment scenarios, and achieve the effects of improving payment experience, small and fast payment, and improving security.

Inactive Publication Date: 2017-10-20
BANK OF CHINA
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

Therefore, for virtual accounts, the current POS machine card swiping method cannot meet the virtual account payment scenario

Method used

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  • Payment method, payment system, novel POS machine and payment core system
  • Payment method, payment system, novel POS machine and payment core system
  • Payment method, payment system, novel POS machine and payment core system

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Embodiment Construction

[0074] The following will clearly and completely describe the technical solutions in the embodiments of the present invention with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only some, not all, embodiments of the present invention. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the protection scope of the present invention.

[0075] see figure 1 , this embodiment discloses a payment method, which is applied to a new type of POS machine, and specifically includes the following steps:

[0076] S101: Obtain the amount to be paid by the user, generate a serial number for this payment, and display the amount to be paid;

[0077] The amount to be paid is the amount that the user needs to pay for this consumption.

[0078] It is understandable that each payment corresponds to a unique p...

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PUM

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Abstract

The invention provides a payment method and a payment system which support payment verification of a virtual account. According to the invention, a user does not need to carry an IC card, the user is prompted to adopt different payment verification modes according to the amount money to be paid, payment verification data inputted by the user and a serial number of the current payment are sent to a payment core system, and the payment core system is enabled to perform verification according to account opening information inputted by the user when the account is opened. For large-amount payment, the user is prompted to sequentially input fingerprint data, a password and head portrait information, and the payment security of the user is improved; and for small-amount virtual account payment verification, the user is prompted to sequentially input fingerprint data and a password, and small-amount fast payment is realized. The invention further discloses a novel POS machine which further provides a fingerprint input function and a picture taking function while supporting traditional password input, takes a picture for the user when the user performs payment so as to be used for large-amount payment verification or act as a payment record of virtual account payment verification, thereby being convenient for acting as unauthorized payment evidence when unauthorized payment occurs in a later period.

Description

technical field [0001] The present invention relates to the technical field of payment verification, and more specifically, to a payment method, system, new POS machine and payment core system. Background technique [0002] Banks issue hundreds of millions of IC cards for customers every year, and the issuance cost is huge. For customers, it is very inconvenient to carry IC cards from multiple banks when swiping the card, and there is a risk of loss and fraud. [0003] In response to the above problems, the central bank stipulates that starting from December 1, 2016, the same person can only open one type I account in the same bank. If one has already opened a new account, a type II or type III account should be opened. . In the same payment institution, only one Type III account can be opened. Type I accounts can deposit, purchase wealth management products, withdraw cash, transfer, consume, and pay bills, etc., and are full-featured accounts, while Type II accounts canno...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/20G06Q20/40
CPCG06Q20/20G06Q20/4014G06Q20/40145
Inventor 郑珂王鹏晴
Owner BANK OF CHINA
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