Wearable payment device

Abstract

A wearable payment device comprises a wearable carrier, and is characterized in that a circuit board and a display screen are mounted inside one part of the carrier; an encrypting module which is partially the same as an encrypting program at a server side, a key module which is placed at the server side and uses a same-attribute image file as a key carrier, and key pixel points which are displayed on the display screen, formed through encryption of the encrypting module and superposed on the key carrier are arranged inside the circuit board; the carrier only gives direct or indirect display of the key carrier image file superposed with the key pixel points to the server side, the carrier is not required to be networked or upload and download any information during verification, and the server side acquires the key pixel points from the contents of the carrier to obtain key verification and achieve payment permission; the carrier has a long standby time, and a verification process is safe and reliable.

Description

technical field [0001] The invention relates to a payment device, in particular to a wearable payment device, which belongs to the technical field of IPC classification No. G06. Background technique [0002] The payment system is composed of an intermediary agency that provides payment and settlement services and professional technical means to realize payment instruction transmission and fund settlement. It is a financial arrangement to realize creditor's rights and debts settlement and fund transfer. It is sometimes called a settlement system. [0003] At present, when making payment, the payment carriers of the payment system include magnetic stripe cards and mobile devices (including scanning barcodes, QR codes and NFC near-field payment). Magnetic stripe cards have the potential to be duplicated so are now being upgraded to chip cards. The QR code may be stolen when scanning the code, so the mobile device tends to provide a dynamically changing bar code or QR code to b...

AI Technical Summary

Problems solved by technology

The use of near-field payment is a little more troublesome than scanning codes, and the scope of promotion is limited

[0004] In addition, bank cards are required for card swiping, and mobile devices are required for scanning codes and near-field payments. For young people who advocate light travel today, it is more convenient to carry mobile devices, but mobile devices are limited by batteries and networks. So for now, there is still no more convenient payment carrier that can operate independently of the network and a system or method with security to achieve real convenience.

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