Checking method and system for password-free payment transaction

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...

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