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Mobile payment system and mobile payment method thereof

A mobile payment and mobile device technology, applied in the mobile payment system and its mobile payment field, can solve the problems of time-consuming, labor-intensive, inconvenient efficiency, low efficiency, etc., and achieve the effect of improving safety and reliability and simplifying operations

Inactive Publication Date: 2017-12-26
HANGZHOU ZHEXIN IT TECHNOLOGY CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

Most of the mobile payment used in existing applications is a single channel. If you need to access third-party payment, you need to apply for multiple third-party payments independently, which is time-consuming and labor-intensive. Moreover, access requires the access party to learn how to access multiple SDKs, which is very inconvenient and inefficient

Method used

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  • Mobile payment system and mobile payment method thereof

Examples

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Effect test

Embodiment 1

[0045] Example 1, such as figure 1 As shown, a mobile payment system according to the embodiment of the present invention can be applied to the payment of various applications, which reduces the entry threshold of merchants, and small merchants without POS machines can also quickly realize mobile payment. The mobile payment system specifically includes:

[0046] A mobile device terminal, which is used for HTTP communication with the server, and sends a payment request message;

[0047] The first encryption and decryption module, which is used to encrypt the payment request message information sent when the mobile device terminal and the server perform HTTP communication and send it to the second encryption and decryption module, and receive the payment order information encrypted by the second encryption and decryption module Perform decryption processing and send it to the mobile device terminal, receive payment verification information sent by the mobile device terminal, en...

Embodiment 2

[0073] Embodiment 2, a mobile payment method of a mobile payment system, comprising the following steps:

[0074] Step 1, the mobile device terminal performs HTTP communication with the server, and the information collection module collects the device information of the mobile device terminal, generates a unique user identifier, and binds the unique user identifier to the device information;

[0075] At the same time, the user's unique identifier and device information are stored in the first storage module;

[0076] Step 2, the mobile device terminal sends an encrypted payment request message to the server through the first encryption and decryption module, the payment request includes the payment mode and its corresponding third-party payment interface, payment amount, payment merchant name and payment time;

[0077] Step 3, the encrypted payment request message is transmitted to the second encryption and decryption module through the communication module;

[0078] Meanwhil...

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Abstract

The invention discloses a mobile payment system. The mobile payment system comprises a mobile device terminal, a first encryption and decryption module, an information collection module, a communication module, a first storage module, a second encryption and decryption module, a second storage module, a payment processing module and a payment notifying module. The mobile device terminal sends payment request messages. The first encryption and decryption module encrypts the payment request message information, decrypts payment order information and encrypts payment verification information. The information collection module collects device information to generate unique user identities. The communication module is used for communication between the mobile device terminal and a server side. The first storage module stores the unique user identities and the device information. The second encryption and decryption module decrypts the payment request messages, encrypts the payment order information and decrypts the payment verification information. The second storage module stores payment requests and the payment order information. The payment processing module sends the decrypted payment requests, receives the payment order information and receives the decrypted payment verification information. The payment notifying module receives payment notices. The invention further provides a mobile payment method. The mobile payment system and the mobile payment method have the advantages that multiple payment modes can be connected, and efficiency and safety are improved.

Description

technical field [0001] The present invention relates to the technical field of mobile payment, in particular to a mobile payment system and a mobile payment method thereof. Background technique [0002] In recent years, with the rapid development of the Internet and mobile networks, online payment and mobile payment have gradually become the main payment methods for e-commerce. As an emerging electronic payment method, mobile payment has many characteristics such as anytime, anywhere, convenience, and speed. With the rapid development of information technology, handheld wireless terminals such as mobile phones are gradually developing into low-power, ultra-lightweight intelligent terminals that can support various information services and various environments, which provides a solid foundation for the development of mobile payment. With a good hardware environment, mobile payment has increasingly become an indispensable part of our lives. [0003] At present, Alipay paymen...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/02G06Q20/08G06Q20/32G06Q20/38G06Q20/40
CPCG06Q20/023G06Q20/0855G06Q20/32G06Q20/382G06Q20/4014G06Q20/407
Inventor 潘黎明
Owner HANGZHOU ZHEXIN IT TECHNOLOGY CO LTD
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