System and method for swiping card payment

Abstract

The invention discloses a swiping-card payment system and a method. The method includes the steps of separating a swiping-card operation of a user card from a confirmation operation of the user card, enabling the confirmation operation to establish near field communication connection between a payment terminal and a mobile terminal of a user through utilization of the near-field communication technology, transferring an object of a confirmation action from the payment terminal to the mobile terminal of the user, and enabling the user to input password information on the safer condition. Consequently, the safety of the password of the user card is guaranteed. The swiping-card payment system and the method are suitable for the field of application of swiping-card payment of various bank cards on point-of-sale (POS) machines and deposit and withdraw money services of various bank cards on automatic teller machines (ATM).

Description

technical field

[0001] The invention relates to the field of payment, in particular to a payment system and method for swiping a user card. Background technique

[0002] Since the 1970s, due to the rapid development of science and technology, especially the use of electronic computers, the scope of use of user cards has continued to expand. Taking bank cards as an example, the use of bank cards not only reduces the circulation of cash and checks, but also fundamentally changes the banking business due to breaking through the limitations of time and space. The application of the bank card automatic settlement system will soon make a "no check, no cash society" a reality.

[0003] In China, due to the emergence of UnionPay, places where people use bank cards for consumption can be seen everywhere. Using bank cards for consumption saves people from having to bring more cash when they go shopping, and avoids the inconvenience of carrying a large amount of cash. .

[0004] Due...

Examples

Embodiment Construction

[0019] The main idea of ​​the present invention is to separate the card swiping operation and confirmation operation of the user card. The card swiping operation can adopt various existing card swiping operations, and can also be extended to other possible card swiping operations. The confirmation operation uses near-field communication technology, such as radio frequency wireless communication technology, to establish a near-field communication connection between the payment terminal and the user's mobile terminal, and transfer the object of the confirmation action from the payment terminal to the user's mobile terminal, so that the user Password information can be entered with greater security.

[0020] The principles and features of the present invention are described below in conjunction with the accompanying drawings, and the examples given are only used to explain the present invention, and are not intended to limit the scope of the present invention.

[0021] Such as ...

technical field

[0001] The invention relates to the field of payment, in particular to a payment system and method for swiping a user card. Background technique

[0002] Since the 1970s, due to the rapid development of science and technology, especially the use of electronic computers, the scope of use of user cards has continued to expand. Taking bank cards as an example, the use of bank cards not only reduces the circulation of cash and checks, but also fundamentally changes the banking business due to breaking through the limitations of time and space. The application of the bank card automatic settlement system will soon make a "no check, no cash society" a reality.

[0003] In China, due to the emergence of UnionPay, places where people use bank cards for consumption can be seen everywhere. Using bank cards for consumption saves people from having to bring more cash when they go shopping, and avoids the inconvenience of carrying a large amount of cash. .

[0004] Due...

Examples

Embodiment Construction

[0019] The main idea of ​​the present invention is to separate the card swiping operation and confirmation operation of the user card. The card swiping operation can adopt various existing card swiping operations, and can also be extended to other possible card swiping operations. The confirmation operation uses near-field communication technology, such as radio frequency wireless communication technology, to establish a near-field communication connection between the payment terminal and the user's mobile terminal, and transfer the object of the confirmation action from the payment terminal to the user's mobile terminal, so that the user Password information can be entered with greater security.

[0020] The principles and features of the present invention are described below in conjunction with the accompanying drawings, and the examples given are only used to explain the present invention, and are not intended to limit the scope of the present invention.

[0021] Such as ...

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