Checking method and system for password-free payment transaction

A password-free payment and transaction technology, which is applied in the field of verification methods and systems for password-free payment transactions, can solve the problems that bank cards are easily stolen and swiped, hidden in pockets, and the function of password-free payment is noticed, thereby improving security. sexual effect

Inactive Publication Date: 2019-12-13
钱微
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0002] Nowadays, when people apply for a bank card, the password-free payment function will be enabled by default. Users need to apply to turn off this function through online banking or bank counters. However, most users have not noticed the password-free payment function in the card application agreement. , or users feel that the password-free payment function has played a positive role in payment, so most users' bank cards retain the password-free payment function, but the password-free payment function also has certain defects
[0003] For exampl

Method used

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  • Checking method and system for password-free payment transaction
  • Checking method and system for password-free payment transaction
  • Checking method and system for password-free payment transaction

Examples

Experimental program
Comparison scheme
Effect test

Example Embodiment

[0067] Example one

[0068] Such as figure 1 As shown, this embodiment provides a verification method for a secret-free payment transaction, which is applied to a user's smart device and associated with a bank card, including the following steps:

[0069] S101: Scan the payment code or any form of payment presented by the merchant to generate a payment list, the payment list including the product name, product price, and store address.

[0070] S102: Determine whether the user executes the payment instruction.

[0071] S103: If yes, turn on the camera on the user's smart device, and synchronize the payment interface to the camera interface.

[0072] S104: Output prompt information to the user, where the prompt information is set to capture the commodity to be paid by using the camera.

[0073] S105: Extract the photographed image obtained by the camera, and determine whether the photographed image includes all commodities in the payment list.

[0074] S106: If yes, jump the camera interfa...

Example Embodiment

[0093] Example two

[0094] Such as image 3 As shown, this embodiment provides a verification method. When the user manually enters the amount to make a payment, it is determined whether the total amount of the payment list is equal to the amount entered by the user before completing the secret-free payment.

[0095] If yes, complete the confidential payment.

[0096] If not, the user is prompted to check the payment amount.

[0097] Such as Figure 4 As shown, if the total amount of the payment list is not equal to the amount input by the user, it is determined whether there is a voucher or red envelope for this payment.

[0098] If yes, then subtract the voucher or red envelope from the total payment list and compare it with the amount entered by the user to determine whether the two are equal.

[0099] If yes, complete the confidential payment.

[0100] If not, the user is prompted to check the payment amount.

[0101] Specifically, there are two situations in which the merchant presen...

Example Embodiment

[0104] Example three

[0105] Such as Figure 5 As shown, this embodiment provides a method for checking payment accounts, extracting payment account information, and judging whether the payment account information is a legitimate payment account of the store through a big data analysis method according to the store address.

[0106] If yes, continue to execute S102.

[0107] If not, close the transaction.

[0108] Specifically, when the user scans the payment code presented by the merchant, the processor will perform big data analysis according to the name of the store where the user consumes, and sort out the payment account number used by the store. If the store does not have a special payment account number, The user is allowed to confirm the payment. If the big data analyzes that the store has several receiving accounts, then it is judged whether the receiving account is located in it. If it is, the user is allowed to confirm the payment. If not, the transaction is closed to prev...

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PUM

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Abstract

The invention discloses a check method and a check system for password-free payment transaction, which are applied to intelligent equipment of a user, are associated with a bank card. The method comprises the following steps of: scanning a collection code shown by a merchant or a payment mode in any form, and generating a payment list which comprises a commodity name, a commodity price and a storeaddress; judging whether the user executes a payment instruction or not; if yes, turning on a camera on the user intelligent equipment and prompting the user to capture the to-be-paid commodity by using the camera; extracting a shot image acquired by the camera, and judging whether the shot image comprises all commodities in the payment list or not; if yes, skipping the camera interface to a payment interface, and completing password-free payment; if not, extracting the names of the commodities which are not obtained and are contained in the payment list, and outputting the names of the commodities to the user until all the commodities are obtained; and when the user uses the bank card to perform password-free payment, the intelligent equipment sending check information to the user, and the user judging whether to execute a payment instruction according to the check information.

Description

technical field [0001] The invention relates to the field of financial transactions, in particular to a checking method and system for secret-free payment transactions. Background technique [0002] Nowadays, when people apply for a bank card, the password-free payment function will be enabled by default. Users need to apply to turn off this function through online banking or bank counters. However, most users have not noticed the password-free payment function in the card application agreement. , or users feel that the password-free payment function has played a positive role in payment, so most users' bank cards retain the password-free payment function, but the password-free payment function also has certain defects. [0003] For example, if the bank card that is not commonly used by the user is lost or stolen, it is difficult for the user to find out in time, and there is a great risk of being stolen. In addition, when the bank card is close to the POS machine, it can be...

Claims

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Application Information

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IPC IPC(8): G06Q20/32G06Q20/40G06Q20/10
CPCG06Q20/102G06Q20/322G06Q20/401
Inventor 钱微
Owner 钱微
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