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

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...

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

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