Certificate chain mobile payment wallet system and a use method thereof
A mobile payment and wallet technology, applied in the field of certificate chain mobile payment wallet system, can solve the problems of low security, heavy load pressure on bank gateways, and inability to supervise internal transactions on third-party payment platforms, so as to alleviate load pressure and large data traffic pressure, the effect of reducing bank investment
Inactive Publication Date: 2019-04-05
GLOBAL PRESTIGE INFORMATION TECH CO LTD
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Problems solved by technology
[0007] In order to overcome the deficiencies in the prior art, the present invention provides a certificate chain mobile payment wallet system and its use method, which solves the problem of low security, heavy load pressure on bank gateways and inability of banks to realize third-party payment platforms in the prior art. The problem of internal transaction supervision and insufficient storage space realizes point-to-multipoint transmission between mobile payment wallets and electronic wallets
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[0048] The following will clearly and completely describe the technical solutions in the embodiments of the present invention with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only some, not all, embodiments of the present invention. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the protection scope of the present invention.
[0049] A certificate chain mobile payment wallet system, the system includes an information collection module, a multi-center verification module and a multi-center storage module, the information collection module, the multi-center verification module and the multi-center storage module are all stored on the mobile phone terminal, and Running on a mobile phone terminal, the mobile phone terminal is wirelessly connected to the electronic wallet server;
[0050...
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The invention relates to the technical field of mobile payment, in particular to a certificate chain mobile payment wallet system and a use method thereof, and an electronic wallet server, an electronic bank account corresponding to a user and an electronic wallet are arranged outside a bank payment gateway. Point-to-multipoint transmission between the mobile payment mobile phone wallet and the electronic wallet is realized by a transaction request initiated by the mobile payment wallet mobile phone terminal and an associated transaction account through an IP multicast technology. The electronic wallet server can realize cash withdrawal, account transfer, recharging and payment functions of the electronic wallet, updates the balance of the electronic wallet in real time, stores transactiondetails, and stores transaction results. Payment without the aid of third party, Through the bank wallet server, the function of transferring the null line to the electronic wallet account by the electronic bank account is realized, the function of transferring accounts among the electronic wallet accounts and the function of carrying out small-amount payment by using the electronic wallet are realized, the load pressure of the payment gateway and the pressure of large data flow are alleviated, and the bank investment is reduced.
Description
technical field [0001] The present invention relates to the technical field of mobile payment, and more specifically, relates to a document chain mobile payment wallet system and a method for using the same. Background technique [0002] At present, with the development of mobile technology and the wide application of payment platforms, WeChat and Alipay have brought a lot of convenience to people's lives. Online and offline transactions can be carried out in real time. Mobile payment has gradually become an emerging form of electronic payment, especially As a means of micropayment, electronic wallets on electronic devices are widely used in many fields such as urban public transportation, rail transit, and public payment due to their portability, safety, reliability, and ease of use. However, the existing electronic wallet technology also has the following problems: [0003] 1. There are security risks in paying with traditional bank accounts and passwords. Once the accoun...
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Login to View More IPC IPC(8): G06Q20/36G06Q20/32G06Q20/38G06Q20/40
CPCG06Q20/3223G06Q20/3276G06Q20/3278G06Q20/36G06Q20/3829G06Q20/40145
Inventor 李俊张琴
Owner GLOBAL PRESTIGE INFORMATION TECH CO LTD