Electronic payment system and method

Abstract

The embodiment of the invention discloses an electronic payment system and method, and belongs to the technical field of electronic payment. The method comprises the steps of a main control chip receiving the payment amount and the amount confirmation operation input by a user on the mobile payment device, sending the electronic transaction information including the payment amount to a security module, and the security module generating a payment bar code according to the received electronic transaction information and deducting the electronic cash of the payment amount from the electronic wallet, and sending the payment bar code to a main control chip; the main control chip receiving the payment bar code and sending the payment bar code to a display screen for displaying, and collecting terminal equipment scanning and analyzing the payment bar code displayed on the display screen of the mobile payment device to obtain and store the electronic transaction information. The electronic payment system and method can be simultaneously suitable for a payment scene when the user and the commercial tenant are offline simultaneously, extra POS equipment does not need to be installed by a merchant, and the cost is saved.

Description

technical field [0001] The invention relates to the technical field of electronic payment, in particular to an electronic payment system and method. Background technique [0002] Electronic cash, also known as electronic currency or digital currency, is a very important electronic payment system. It can be regarded as an electronic or digital simulation of real currency. Electronic cash exists in the form of digital information and is transmitted through the Internet. circulation. [0003] The People's Bank of China proposed the concept and technology of electronic cash in the PBOC3.0 specification. This technology is applied to the smart card, and the POS machine of the acquiring bank is used to deduct money to realize offline payment. However, due to the high cost of the current POS machine , it is difficult for small merchants to pay high costs, so the development of electronic cash is limited. [0004] With the development of the mobile Internet of Things, third-party ...

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Problems solved by technology

[0003] The People's Bank of China proposed the concept and technology of electronic cash in the PBOC3.0 specification. This technology is applied to the smart card, and the POS machine of the acquiring bank is used to deduct money to realize offline payment. However, due to the high cost of the current POS machine , it is difficult for small merchants to pay high costs, so the development of electronic cash is limited

[0004] With the development of the mobile Internet of Things, third-party payment manufacturers have launched barcode payment. Barcode payment does not need to install a POS machine. It can directly scan the barcode or QR code on the user's mobile phone through the existing cashier system or mobile phone to initiate cashier to the user. However, the current barcode payment is to send the payment code to the background, and deduct the money from the account bound to the background. The user end of this solution can be offline, but the merchant end must be online

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