Mobile-terminal-based general transaction method and its system
A mobile terminal and transaction method technology, applied in payment system structure, data processing applications, instruments, etc., can solve problems such as increasing the risk of virtual card number theft and limiting business scope, and achieve the effect of preventing theft and ensuring security.
- Summary
- Abstract
- Description
- Claims
- Application Information
AI Technical Summary
Problems solved by technology
Method used
Image
Examples
Example Embodiment
[0073] Method Example 1
[0074] If the transaction is an ordinary payment, such as figure 2 Shown. After the user logs in, he submits the secondary virtual account of the account that needs to participate in the transaction to the payment system, and the submission process can also use encryption. The payment system completes the conversion between the universal transaction number and the payment system identification number according to the payment party's universal transaction number, and combines the payment system identification number and the submitted secondary virtual account number into a primary virtual account number and submits it to the banking system. The banking system generates a transaction serial number and random seed value for this transaction, and transmits the transaction serial number and random seed value back to the payment system, and the payment system transmits the transaction serial number and random seed value back to the mobile terminal of the payer...
Example Embodiment
[0075] Method Example 2
[0076] When the transaction process is a bill transaction, such as image 3 As shown, when the user logs in to the payment system through the mobile terminal. The payer obtains the unpaid bill from the payment system. The bill is submitted to the payment system by other commercial systems through the standard interface provided by the payment system. The bill includes the validity period of the bill, the transaction amount, and the common transaction number of both parties to the transaction. information. It can also include the account information of the bill provider, the name of the bill provider, the party who pays the handling fee, the method of handling bill expiration, and the transaction amount. The bill processing method between the payment system and the commercial system should include bill submission, bill receipt, bill processing, and bill processing result feedback. In order to ensure complete information transmission, each processing adopts ...
Example Embodiment
[0077] Method Example 3
[0078] During the transaction with the bank terminal, such as Figure 4 Shown. The user is the transaction party, and the transaction party uses the mobile terminal to log in to the payment system through the universal transaction number and login password, and submits complete transaction information including: transaction type, the universal transaction code of the bank terminal participating in the transaction, the payment party’s universal transaction number and payment Party second-level virtual account and transaction notes, etc. The payment system determines the bank terminal transaction according to the submitted transaction type, and completes the conversion between the general transaction number of the transaction party and the bank terminal and the payment system identification number. The payment system uses the general transaction number and secondary virtual account number of the transaction party, and the bank terminal The general transacti...
PUM
Abstract
Description
Claims
Application Information
- R&D Engineer
- R&D Manager
- IP Professional
- Industry Leading Data Capabilities
- Powerful AI technology
- Patent DNA Extraction
Browse by: Latest US Patents, China's latest patents, Technical Efficacy Thesaurus, Application Domain, Technology Topic.
© 2024 PatSnap. All rights reserved.Legal|Privacy policy|Modern Slavery Act Transparency Statement|Sitemap