Mobile payment method, system and device and storage medium

Abstract

The invention discloses a mobile payment method, system and device and a storage medium. The mobile payment method comprises the steps of obtaining identity information from a first terminal, obtaining collection information, sending the collection information to the first terminal, obtaining a payment instruction from the first terminal, executing payment operation and the like when a trigger event is detected. According to the mobile payment method, good interactivity can be generated, a consumer interacts with a merchant by operating the first terminal, privacy is achieved, and bargaining and other activities are facilitated; a consumer can complete mobile payment without complex operations such as code scanning and manual payment amount input, and good user experience is achieved; thepayment area and the merchants have a special binding relationship, the payment area serves as a space area, consumers can easily distinguish the payment areas bound by the different merchants, the misoperation risk in the mobile payment process can be reduced, and the safety of mobile payment is guaranteed. The invention is widely applied to the technical field of mobile payment.

Description

technical field [0001] The present invention relates to the technical field of mobile payment, in particular to a mobile payment method, system, device and storage medium. Background technique [0002] Existing mobile payment technologies mainly include mobile payment technologies based on NFC technology and mobile payment technologies based on two-dimensional codes. In the mobile payment technology based on NFC technology, the payee device has already made relevant payment related preparations, and the user realizes the payment by bringing the payer device close to the NFC communication device, and the user moves the payer device closer to the NFC communication device. In essence, it is equivalent to authorizing the payment terminal device to perform payment. Although this mobile payment technology has the advantage of convenience, the payment interaction between the payment terminal and the payment terminal is so small that the user can only perform authorized operations u...

AI Technical Summary

Problems solved by technology

In the mobile payment technology based on NFC technology, the payee device has already made relevant payment related preparations, and the user realizes the payment by bringing the payer device close to the NFC communication device, and the user moves the payer device closer to the NFC communication device. In essence, it is equivalent to authorizing the payment terminal device to perform payment. Although this mobile payment technology has the advantages of convenience, the payment interaction between the payment terminal and the payment terminal is less, so that the user can only perform authorized operations using the payment terminal device.

In the QR code-based mobile payment technology, by scanning the QR code, although the user can perform payment interactions such as inputting the payment amount and debiting the account, the user is required to manually perform operations such as scanning the code, entering the payment amount, and selecting the debiting account. , the user experience is poor, and in some concentrated business areas, etc., when multiple QR codes are placed together, the user needs to manually adjust the shooting field of view to select the QR code to be scanned. In addition to the complicated operation, there are also large risk of misuse

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