Internet-of-things payment cloud platform based on home payment terminal and payment method thereof

Abstract

The invention discloses an Internet-of-things payment cloud platform based on a home payment terminal. The platform comprises the home payment terminal and a payment cloud calculating system. The homepayment terminal can be bound with a payment card of a terminal user, provide convenience of card-free payment without input of an account number for the terminal user, and simultaneously utilize anall-in-one card-reading manner of the home payment terminal to provide card-swiping payment. The home payment terminal is connected with the payment cloud calculating system through a network to forma complete payment system with a home as a base unit. An internet-of-things payment method based on the home payment terminal provides a payment project, which is selected through the home terminal, for the user or provides a convenient and safe payment means for a third-party e-commerce platform. By utilizing the home payment terminal, which is installed in a home and has the all-in-one card-reading function and the home account number system, by the platform, the problem of existing status of shortage of payment terminals in current homes is solved; and the problem that account numbers needto be remembered and input in card-free payment is solved. The convenient and safe payment method of the home is provided.

Description

technical field [0001] The invention relates to an Internet of Things payment cloud platform based on a family payment terminal and a payment method thereof. Background technique [0002] At present, payment terminals are mostly placed in public places such as shopping malls and convenience stores, which is very inconvenient for users to use. [0003] Mobile banking is faced with the limitations of mobile terminals and user mechanisms, and most of the mobile terminals cannot complete very complicated transactions, especially payments related to e-commerce transaction processes. [0004] The current payment system adopts the method of swiping the card or entering the card account number, and then entering the password for payment. The user must remember the card account number before payment can be made without swiping the card. Since the card number is mostly 16 digits, it is not easy to remember. , resulting in the situation that payment cannot be made in the state of no c...

AI Technical Summary

Problems solved by technology

[0002] At present, payment terminals are mostly placed in public places such as shopping malls and convenience stores, which is very inconvenient for users to use

[0003] Mobile banking is faced with the limitations of mobile terminals and user mechanisms. Most of the mobile terminals cannot complete complex transactions, especially payments related to e-commerce transaction processes.

[0004] The current payment system adopts the method of swiping the card or entering the card account number, and then entering the password to pay. The user must remember the card account number before payment can be made without swiping the card. Since the card number is mostly 16 digits, it is not easy to remember. , resulting in the situation that payment cannot be made in the state of no card

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