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Terminal payment method and device

A generation payment and terminal technology, which is applied in the field of terminal payment methods and devices, can solve problems affecting user experience and achieve the effect of improving experience

Pending Publication Date: 2022-01-14
BANK OF CHINA
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] But this also leads to the fact that when the user's terminal cannot be used normally, the user cannot use his user account to make payment
For example, when the user's terminal is low in power or damaged, the user cannot conveniently use his user account to make payment on other terminals, which affects the user experience

Method used

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  • Terminal payment method and device
  • Terminal payment method and device

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Embodiment Construction

[0042] In order to help better understand the solutions provided in the embodiments of the present application, before introducing the methods provided in the embodiments of the present application, first introduce the application scenarios of the solutions in the embodiments of the present application.

[0043] With the development of online payment, people use terminals to make online payment more and more frequently. In order to ensure the security of payment, the current online payment usually binds the user account with the user's terminal, that is, the user account can only be paid on the user's own terminal, which avoids the situation that the user account is stolen to a certain extent , protecting the user's account security.

[0044] However, this also results in that when the user's terminal cannot be used normally, the user cannot use his user account to make payment. For example, when the power of the user's terminal is insufficient or damaged, the user cannot con...

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PUM

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Abstract

The invention discloses a terminal payment method and device, and the method comprises the steps that in response to a pre-authorization operation of a user account, a first terminal transmits a pre-authorization instruction of the user account to a server, wherein the first terminal is a terminal bound with the user account; in response to payment operation of the user account, a second terminal sends a payment instruction of the user account to the server, so that the server verifies whether the pre-authorization instruction is matched with the payment instruction or not; when the pre-authorization instruction is matched with the payment instruction, the payment operation of the second terminal succeeds; and otherwise, the payment operation of the second terminal fails. According to the method provided by the embodiment of the invention, on the premise of ensuring the safety of the user account, the user can conveniently use the user account of the user to pay on other terminals, so that the user experience is improved.

Description

technical field [0001] The present application relates to the field of computers, and in particular to a terminal payment method and device. Background technique [0002] With the development of online payment, people use terminals to make online payment more and more frequently. In order to ensure the security of payment, the current online payment usually binds the user account with the user's terminal, that is, the user account can only be paid on the user's own terminal, which avoids the situation that the user account is stolen to a certain extent , protecting the user's account security. [0003] However, this also results in that when the user's terminal cannot be used normally, the user cannot use his user account to make payment. For example, when the power of the user's terminal is insufficient or damaged, the user cannot conveniently use his user account to make payment on other terminals, which affects the user's experience. Contents of the invention [0004...

Claims

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Application Information

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IPC IPC(8): G06Q20/40G06Q20/38
CPCG06Q20/4014G06Q20/4012G06Q20/382
Inventor 黄文强徐晨敏訾志博
Owner BANK OF CHINA