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A mobile payment confirmation method, device, system and storage medium

A technology for mobile payment and confirmation request, applied in the direction of payment system, payment architecture, protocol authorization, etc., can solve the problems of reducing the security and reliability of mobile payment, and achieve the effect of improving security and reliability

Active Publication Date: 2021-09-21
WELLONG ETOWN INT LOGISTICS
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] While QR code payment brings payment convenience to users, there are also some security risks. For example, the QR code information released by merchants is maliciously replaced by illegal users. If the payment user scans the replaced QR code information to complete the mobile payment process , the fee paid to the merchant will be transferred to the electronic account of the illegal user, which reduces the security and reliability of mobile payment

Method used

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  • A mobile payment confirmation method, device, system and storage medium
  • A mobile payment confirmation method, device, system and storage medium
  • A mobile payment confirmation method, device, system and storage medium

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Embodiment Construction

[0047] In order to improve the security and reliability of mobile payment, the embodiments of the present invention provide a mobile payment confirmation method, device, system and storage medium.

[0048]It should be noted that the user terminal in the present invention can be a personal computer (English full name: PersonalComputer, PC), tablet computer, personal digital assistant (Personal Digital Assistant, PDA), personal communication service (English full name: Personal Communication Service, User terminals such as PCS) telephones, notebooks and mobile phones can also be computers with mobile terminals, such as portable, pocket-sized, hand-held, computer built-in or vehicle-mounted mobile devices, which can provide users with voice and / or Devices for data connectivity, and for exchanging speech and / or data with the radio access network.

[0049] In addition, the terms "first", "second", "third" and "fourth" in the description and claims in the embodiments of the present ...

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Abstract

The invention discloses a mobile payment confirmation method, device, system and storage medium, which are used to improve the security and reliability of mobile payment, especially graphic code payment. The mobile payment method includes: receiving a mobile payment request sent by a payment user terminal, which carries the first mobile payment account identifier of the paid user and the first biometric information of the paid user collected by the payment user terminal; searching for the The second mobile payment account identifier corresponding to the first biometric information; if the first payment account identifier is inconsistent with the second payment account identifier, then search for the first user terminal identifier corresponding to the second mobile payment account identifier; Sending a mobile payment confirmation request to the corresponding first user terminal, which carries a prompt message indicating that the mobile payment account information is inconsistent; receiving an instruction on whether to make payment returned by the first user terminal; determining whether to allow this payment according to the received instruction.

Description

technical field [0001] The present invention relates to the technical field of mobile payment, in particular to a mobile payment confirmation method, device, system and storage medium. Background technique [0002] Mobile payment, also known as electronic payment, is a way for users to use their mobile terminals (usually mobile phones) to pay for the goods or services they consume. Users directly or indirectly send payment instructions to banking financial institutions or third-party payment institutions through mobile devices, the Internet or proximity sensing to generate currency payment and fund transfer behaviors, thereby realizing the mobile payment function. Mobile payment integrates terminal equipment, the Internet, application providers, and financial institutions to provide users with financial services such as currency payment and bill payment. [0003] QR code payment is a new generation of wireless payment scheme based on the account system. Under this payment ...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G06Q20/40G06Q20/38G06Q20/32
CPCG06Q20/327G06Q20/382G06Q20/40145
Inventor 施文进施俊
Owner WELLONG ETOWN INT LOGISTICS