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Mobile payment method

A mobile payment, pending payment technology, applied in the field of payment, can solve the problems affecting the safety of consumers' funds, and achieve the effect of ensuring safety, ensuring fund safety, and overcoming potential safety hazards.

Inactive Publication Date: 2018-01-16
王天坤
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

As a result, once the mobile terminal is lost or personal information is leaked, it will directly affect the financial security of consumers.

Method used

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Examples

Experimental program
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Effect test

no. 1 example

[0034] Please refer to image 3 , image 3 A mobile payment method provided by a preferred embodiment of the present invention. The method is applied to the mobile payment system 100 . The method comprises the steps of:

[0035] In step S101, the merchant terminal 300 generates an order to be paid in response to the manager's operation.

[0036] In this embodiment, the order to be paid includes settlement details and settlement amount. The settlement amount can be input by the manager of the merchant terminal 300 . The administrator of the merchant terminal 300 may be a user who is authorized to use the merchant terminal 300 .

[0037] Step S102 , the merchant terminal 300 obtains the identity information bound to the consumer terminal 400 .

[0038] In this embodiment, after the consumer terminal 400 performs real-name authentication using the identity characteristic data, the identity information corresponding to the identity characteristic data is bound to the consume...

no. 2 example

[0055] Please refer to Figure 4 , Figure 4 A mobile payment method provided by a preferred embodiment of the present invention. The method is applied to the merchant terminal 300 in the mobile payment system 100 . The method comprises the steps of:

[0056] Step S201, the corresponding manager operation generates an order to be paid, and the order to be paid includes the settlement amount.

[0057] Step S202, acquiring the identity information bound to the consumer terminal 400.

[0058] Step S203, judging according to the acquired portrait data of the identity information whether the order to be paid has the authority to use the identity information for payment.

[0059] In this embodiment, the authority includes the first authority and the second authority. Optionally, by displaying the portrait data; when the first confirmation instruction is obtained in response to the manager’s operation, it is judged that the order to be paid has the first authority to use the ident...

no. 3 example

[0065] Please refer to Figure 5 , Figure 5 A mobile payment method provided by a preferred embodiment of the present invention. The method is applied to the settlement server 200 in the mobile payment system 100 . The method comprises the steps of:

[0066] Step S301, receiving the bill to be paid sent by the merchant terminal 300, the bill to be paid is that the merchant terminal 300 judges that the order to be paid is prepared by using the identity information according to the portrait data in the acquired identity information When the payment is authorized, it is generated according to the order to be paid, the identity feature data and the information of the merchant terminal 300. The order to be paid is generated by the merchant terminal 300 in response to the operation of the manager, and the order to be paid includes the settlement amount.

[0067] Step S302, acquiring corresponding payment key information of the consumption terminal 400 according to the identity f...

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PUM

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Abstract

The invention provides a mobile payment method. The mobile payment method is applied to a mobile payment system and comprises the steps of generating a to-be-paid order by a seller terminal in response to operation of a manager; acquiring identity information which is bound to a consumption terminal by the seller terminal; determining whether the to-be-paid order has a right of performing paymentthrough the identity information according to portrait data; if yes, generating a to-be-paid bill; acquiring corresponding payment secret key information of the consumption terminal by a settlement server according to the identity characteristic data in the to-be-paid bill; transmitting the received password data to the settlement server by the seller terminal; comparing the password data with thecorresponding payment secret key information by the settlement server; and when comparison is successful, deducting a settlement sum from an account which corresponds with the consumption terminal bythe deduction server, thereby finishing payment. Higher safety and higher reliability in a payment process are realized. Even the consumption terminal is lost, high fund safety of the customer can beensured. The mobile payment method overcomes a problem of potential safety hazard in mobile payment.

Description

technical field [0001] The invention relates to the field of payment, in particular to a mobile payment method. Background technique [0002] Payment activities generally refer to a behavior in which people pay for a certain thing or goods through cash, transfer, mortgage, replacement, etc. With the advancement of technology, the current payment methods are becoming more and more diversified, which brings great convenience to people's lives. Among them, mobile payment is one of the most popular payment methods today. Mobile payment refers to the payment of goods or services consumed by users through mobile terminal equipment, using technologies such as the Internet and wireless communication. [0003] The current mobile payment mainly includes scanning code payment and brushing payment based on NFC technology. No matter which method is used for payment, consumers need to use mobile terminals as payment carriers. As a result, once the mobile terminal is lost or personal i...

Claims

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Application Information

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IPC IPC(8): G06Q20/38
Inventor 王天坤
Owner 王天坤