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Secure payment method and device and user terminal

A user terminal, secure payment technology, applied in the payment system, payment system structure, data processing application, etc., can solve the problem of low security of scanning code payment, and achieve the effect of improving security and avoiding economic losses

Inactive Publication Date: 2019-03-01
GUANGDONG XIAOTIANCAI TECH CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] In view of this, the embodiment of the present invention provides a secure payment method, device and user terminal to solve the problem of low security of the existing scan code payment

Method used

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  • Secure payment method and device and user terminal
  • Secure payment method and device and user terminal
  • Secure payment method and device and user terminal

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Embodiment Construction

[0037] In the following description, specific details such as specific system structures and technologies are presented for the purpose of illustration rather than limitation, so as to thoroughly understand the embodiments of the present invention. It will be apparent, however, to one skilled in the art that the invention may be practiced in other embodiments without these specific details. In other instances, detailed descriptions of well-known systems, systems, circuits, and methods are omitted so as not to obscure the description of the present invention with unnecessary detail.

[0038] In order to illustrate the technical solutions of the present invention, specific examples are used below to illustrate. Please refer to figure 1 , figure 1 The implementation flow of a secure payment method provided by the embodiment of the present invention is shown, and the details are as follows:

[0039] In step S101, upon receiving payment request information, the user terminal est...

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Abstract

The method is suitable for the technical field of electronic payment. The invention provides a secure payment method, device and user terminal. The method comprises the following steps: receiving payment request information; the user terminal establishes a first connection with the collection terminal; wherein the first connection is a near field communication NFC connection; obtaining first payment information corresponding to the payment request information in the collection terminal through the first connection; sending the first payment information to a mobile terminal bound with a user terminal through a second connection; receiving payment response information sent by the mobile terminal through a second connection, corresponding payment operation is completed according to the payment response information; According to the invention, the user terminal obtains the first payment information of the collection terminal through the NFC connection instead of directly obtaining the payment information in the payment process, and controls the payment behavior through the mobile terminal bound with the user terminal, so that the economic loss possibly caused by the virus-containing two-dimensional code is avoided, and the payment security is improved.

Description

technical field [0001] The invention belongs to the technical field of electronic payment, and in particular relates to a safe payment method, device and user terminal. Background technique [0002] With the development of smart terminal miniaturization manufacturing technology, smart wearable devices represented by smart watches, smart eyes, smart bracelets, and smart earphones are gradually integrated into people's lives, and with the popularization of electronic payment, existing smart wearable The device also has an electronic payment function, so that people can enjoy the convenience of electronic payment anytime and anywhere. [0003] At present, code scanning payment on smart terminals has become a very common payment method and is very popular among people. However, there are also some security risks in the process of scanning code payment. For the QR code with virus, it has brought losses to people's economy. Contents of the invention [0004] In view of this, t...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/32G06Q20/38
CPCG06Q20/3278G06Q20/382
Inventor 饶盛添王强
Owner GUANGDONG XIAOTIANCAI TECH CO LTD