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Payment method, server and payment system

A payer, server-side technology, applied in the financial field to achieve the effect of improving security

Inactive Publication Date: 2019-02-15
福建创识科技股份有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

Nowadays, although mobile payment is becoming more and more the mainstream payment method in the market, bank card payment method still occupies a relatively large proportion.

Method used

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  • Payment method, server and payment system
  • Payment method, server and payment system
  • Payment method, server and payment system

Examples

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Embodiment Construction

[0054] The present invention is described below based on examples, but the present invention is not limited to these examples. In the following detailed description of the present invention, some specific details are described in detail, and in order to avoid obscuring the essence of the present invention, known methods, procedures, procedures, and components are not described in detail.

[0055] Additionally, those of ordinary skill in the art will appreciate that the drawings provided herein are for illustrative purposes and are not necessarily drawn to scale.

[0056] Unless the context clearly requires, throughout the specification and claims, "comprises", "comprises" and similar words should be interpreted in an inclusive sense rather than an exclusive or exhaustive meaning; that is, "including but not limited to" meaning.

[0057] In the description of the present invention, it should be understood that the terms "first", "second" and so on are used for descriptive purpos...

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Abstract

The invention discloses a payment method, a service end and a payment system. The payment method comprises the following steps: step S1, the service end generates a payment dynamic code after receiving a transaction request instruction sent by the payment terminal. The transaction request instruction at least comprises account identity information of the payer, transaction amount and account identity information of the payee. Step S2: The server sends the generated payment dynamic code to the mobile terminal of the payer; Step S3: the server obtains the payment dynamic code from the transaction confirmation instruction after receiving the transaction confirmation instruction sent by the payment terminal; Step S4: the server generates a transaction message according to the payment dynamic code obtained from the transaction confirmation instruction and the generated payment dynamic code. The transaction message at least comprises account identity information of the payer, transaction amount and account identity information of the payee. Step S5: The server sends the transaction message to the preset payment platform. The invention can effectively improve the safety of the bank card payment mode.

Description

technical field [0001] The invention relates to the financial field, in particular to a payment method, a server and a payment system. Background technique [0002] According to the "Blue Book on the Development of China's Bank Card Industry" issued by the China Banking Association, by the end of 2017, the cumulative number of bank cards issued in China was 7.03 billion, and the number of newly issued cards in that year was 660 million, a year-on-year increase of 10.3%. Nowadays, although mobile payment is becoming more and more the mainstream payment method in the market, bank card payment method still occupies a relatively large proportion. Especially in terms of identity verification and settlement methods, the bank card payment method cannot be replaced in the short term. However, there are still certain security risks in the bank card payment method, especially for some payments with high security requirements. Therefore, how to improve the security of bank card paymen...

Claims

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Application Information

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IPC IPC(8): G06Q20/40G06Q20/38G06Q20/32
CPCG06Q20/325G06Q20/382G06Q20/401
Inventor 黄忠恒袁飞虎
Owner 福建创识科技股份有限公司
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