Payment methods, terminals and systems

A technology for payment terminals and payers, applied in the fields of payment methods, terminals and systems, which can solve problems such as payment security risks, weak security habits, property theft, etc., to reduce the probability of data leakage and fraud, and to obtain timely and safe information , the effect of preventing malicious theft

Active Publication Date: 2021-03-09
CHINA TELECOM CORP LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

For example, due to the invasion of mobile phone viruses or Trojan horses, or the loopholes in the payment software itself, many hidden dangers have been brought to the payment security.
In addition, weak security habits of consumers can also cause serious consequences, such as causing user information leakage or property theft, etc.

Method used

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  • Payment methods, terminals and systems
  • Payment methods, terminals and systems
  • Payment methods, terminals and systems

Examples

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Embodiment Construction

[0030] Various exemplary embodiments of the present invention will now be described in detail with reference to the accompanying drawings. It should be noted that the relative arrangements of components and steps, numerical expressions and numerical values ​​set forth in these embodiments do not limit the scope of the present invention unless specifically stated otherwise.

[0031] At the same time, it should be understood that, for the convenience of description, the sizes of the various parts shown in the drawings are not drawn according to the actual proportional relationship.

[0032] The following description of at least one exemplary embodiment is merely illustrative in nature and in no way taken as limiting the invention, its application or uses.

[0033] Techniques, methods and devices known to those of ordinary skill in the relevant art may not be discussed in detail, but where appropriate, such techniques, methods and devices should be considered part of the Authoriz...

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PUM

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Abstract

The invention discloses a payment method, a payment terminal and a payment system, which relate to the safety field of mobile payment. The payment method comprises steps: according to payment information obtained by an infrared technology, a payment request is sent to a payment server; in response to an authentication request sent by the payment server, the authentication information of a payer issent to the payment server to enable the payment server to authenticate the authentication information; and if the payment server returns an authentication success message, payment operation is carried out. As the infrared data transmission enables information acquisition to be more timely and safer and safety authentication is carried out at the payment server side, the probability of data leakage and credit card fraud during a transaction process can be reduced, and happening of malicious credit card fraud, untrustworthy payment and information leakage can be effectively prevented.

Description

technical field [0001] The invention relates to the field of mobile payment security, in particular to a payment method, terminal and system. Background technique [0002] As contactless payments become more and more popular, many hidden dangers have emerged while bringing convenience to consumption. For example, due to the invasion of mobile phone viruses or Trojan horses, or the loopholes in the payment software itself, many hidden dangers have been brought to the payment security. In addition, weak security habits of consumers can also cause serious consequences, such as user information leakage or property theft. Contents of the invention [0003] A technical problem to be solved by the present invention is to provide a payment scheme to increase the probability of data leakage and fraudulent brushing during the transaction process. [0004] According to one aspect of the present invention, a payment method is proposed, including: sending a payment request to the pay...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G06Q20/32G06Q20/40
Inventor 匡华龙黄铖斌虞晨磊蔡志敏姜钰
Owner CHINA TELECOM CORP LTD
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