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Payment method, apparatus and system, and storage medium

A technology of payment request and payment function, applied in the direction of payment system, payment system structure, agreement authorization, etc., can solve the problem of high risk of mobile payment

Inactive Publication Date: 2017-12-19
BEIJING XIAOMI MOBILE SOFTWARE CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] However, in the related art, when the mobile terminal adopts the verification method of bracelet payment verification, the payment server only determines whether to perform payment processing by detecting whether the decryption key matches the encryption key, and the risk of mobile payment is relatively high.

Method used

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  • Payment method, apparatus and system, and storage medium
  • Payment method, apparatus and system, and storage medium
  • Payment method, apparatus and system, and storage medium

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Embodiment Construction

[0172] In order to make the purpose, technical solutions and advantages of the present disclosure clearer, the present disclosure will be further described in detail below in conjunction with the accompanying drawings. Obviously, the described embodiments are only some of the embodiments of the present disclosure, not all of them. . Based on the embodiments in the present disclosure, all other embodiments obtained by persons of ordinary skill in the art without creative efforts fall within the protection scope of the present disclosure.

[0173] See Picture 1-1 , which shows a schematic diagram of the implementation environment involved in the payment method provided in an embodiment of the present disclosure. The implementation environment may include a payment system: the payment system includes a payment server 110 , a first terminal 120 and a wearable device 130 .

[0174] The payment server 110 may be one server, or a server cluster composed of several servers, or a clo...

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Abstract

The invention relates to a payment method, apparatus and system, and a storage medium, and belongs to the field of network payment security. The method comprises the steps of receiving a first payment request sent by a first terminal through a payment client, wherein the first payment request comprises a decryption key stored in a wearable device bound with the first terminal; and if the decryption key is matched with an encryption key stored in a payment server and verification information sent by the first terminal is received in a first preset time period after the first payment request is received, executing payment processing, wherein the verification information is generated by the first terminal or the wearable device after a user executes preset verification operation on the wearable device. The problem of relatively high mobile payment risk in related technologies is solved. The payment method, apparatus and system is used for mobile payment.

Description

technical field [0001] The present disclosure relates to the field of network payment security, in particular to a payment method, device and system, and a storage medium. Background technique [0002] Mobile payment is a service method that allows users to use mobile terminals (usually mobile phones) to pay for the goods or services they consume. Mobile payment integrates mobile terminals, the Internet, application providers, and financial institutions to provide users with financial services such as currency payment and bill payment. Units or individuals can use mobile terminals to make mobile payments. When using mobile terminals for mobile payment, verification methods are usually used to ensure the safety and reliability of mobile payment. The verification methods can include password verification, SMS verification, digital dynamic password verification, biometric verification and bracelet payment verification. [0003] In related technologies, when a mobile terminal ...

Claims

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Application Information

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IPC IPC(8): G06Q20/40G06Q20/32
CPCG06Q20/32G06Q20/401
Inventor 孙铭泽裴逸飞
Owner BEIJING XIAOMI MOBILE SOFTWARE CO LTD
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