Cloud payment method, system and payment device thereof, and user terminal

Abstract

The invention relates to the field of financial data processing, and provides a cloud payment method, a system and a payment device thereof, and a user terminal. The cloud payment method comprises thesteps of acquiring to-be-paid sum information which is input by a user; reading stored virtual financial card information, generating a two-dimensional code payment picture according to the sum information, wherein the two-dimensional code payment picture is used for scanning by an external payment device, and the payment device generates payment information and uploads the payment information toa bank payment server for finishing transaction. The cloud payment method, the system and the payment device thereof and the user terminal are advantageous in that low reconstruction cost is realized; the cloud payment method supports offline generation of the payment two-dimensional code and can be used for payment at the position with poor network environment or no network; the generated two-dimensional code picture can be transmitted to other persons for use and is equivalent with an electronic cash voucher, thereby realizing high convenience and preventing transferring cost caused by cashtransferring; the payment amount is input by a user and a condition of more money deduction caused by a trade company input error in code scanning is prevented; and furthermore restriction by carrying an NFC unit on an intelligent device is settled.

Description

Technical field [0001] The invention relates to the field of bank cloud payment data processing, in particular to a cloud payment method, system, payment device, and user terminal. Background technique [0002] With the development of technology, people's living standards are getting higher and higher, and mobile phones are developing with each passing day. Financial cloud payment products based on mobile smart devices are also constantly introducing new ones, including HCE cloud flash payment, Apple pay, Huawei Pay, Samsung Pay and other NFC payment products. However, the above types of payment technologies require smart devices such as mobile phones to carry their own NFC units, otherwise offline POS payment cannot be realized. However, on the one hand, due to cost control and other reasons, only a small number of mobile devices in the market have NFC units (mainly mid-to-high-end flagship models). On the other hand, due to mobile phone SE units and other reasons, payment produ...

AI Technical Summary

Problems solved by technology

[0004] In view of the above problems, the present invention proposes a cloud payment method, system, payment device, and user terminal to solve the problem that the existing virtual financial IC card must be used on a mobile smart terminal with an NFC unit, and realize that it can also be used offline. Use, while ensuring the safety and convenience of the payment process

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