94results about How to "Payment security" patented technology

The invention discloses a mobile payment terminal and a payment method based on the PKI technology, which aim to solve the problem that risks and hidden troubles are existed both on an ID authentication mechanism and an information transmission mechanism in the existing mobile phone payment service. The mobile payment terminal comprises a smart card, a smart card reader-writer, a terminal chip added with the control function and a data interface; the smart card is used for the storage and the application of a digital certificate; the smart card reader-writer is used for performing the read-write operation and clear operation on the smart card; the terminal chip to which the control function is added is used for controlling the smart card reader-writer to access the smart card; and the data interface is used for providing the data communication between the terminal chip and peripheral equipment. A user utilizes the mobile payment terminal to download the digital certificate to the smart card, and complete the secure mobile payment. In addition, the user can also use the mobile terminal to carry out secure online payment instead of a USB KEY when the mobile payment terminal is connected with the peripheral equipment through a data wire or interfaces such as an infrared interface, a Bluetooth interface, and the like.

Disclosed is an electronic payment system based on a cloud data processing technology. The electronic payment system based on the cloud data processing technology comprises terminal equipment, a cloud server, a payment server and a bank server. The terminal equipment is suitable for sending payment confirming information to the cloud server, wherein the payment confirming information carries order form information, a payment account of the user, verifying information of the user and identification data of the terminal equipment; the cloud server is suitable for verifying the order form information, and submitting payment requests to the payment server after verification is passed through, wherein the payment requests at least carry payment amount, payment objects, a dealing number associated with the order form information, the payment account, the verifying information and the identification data of the terminal equipment; and the payment server is suitable for acquiring a bank account corresponding to the payment account based on the binding relations between the stored payment account and the bank account and the identification data of the terminal equipment, and finishing payment through the bank account and the bank server after the verifying information is verified and passed through. The technical scheme is that the electronic payment system based on the cloud data processing technology can ensure safety of electronic payment and convenience of the electronic payment.

The invention discloses a mobile payment device and a method thereof based on an NFC technology, and the NFC technology and hardware encryption are combined. According to the mobile payment device and the method thereof, the NFC technology and the hardware encryption are combined and applied to the field of mobile terminal payment for the first time, and compared with traditional software encryption like dynamic passwords, the hardware encryption is higher in safety and reliability. The mobile payment device is designed in a folding type, a display screen can be folded and put into an outer shell of the mobile payment device when not used, therefore, the occupied space is small, the display screen is protected effectively, and damage to the display screen in the process of mobile carrying can be prevented. The payment device is small in size, easy to carry, and capable of being integrated into a card with a liquid crystal display. According to the mobile payment device and the method thereof, a hardware encryption mode is adopted, a secret key is stored in hardware, safety of the secret key can be guaranteed on the hardware, the secret key in the payment device can not be obtained by the outside through a mobile terminal, possibilities of exposure of the secret key are reduced, and therefore payment can be safer.

The invention discloses a high-security portable collection and payment device which comprises a storage module, a payment information reading and collection information setting module, a terminal user identity recognition module, a communication module, an input-output module and a microcontroller. Meanwhile, the invention discloses a high-security portable collection and payment method used for the high-security portable collection and payment device. The method includes the steps of a setting action, a collection action and a payment action. When the device is wearable, the method can also include the step of a wearing verification action. The device and method conduct user identity presetting through a biosensor, when the device and method are used, identity verification and recognition are conducted through the biosensor, the step that information such as a password is input manually for login verification is omitted, a plurality of operations in the collection and payment processes are also greatly reduced, rapid and secure nearby electronic collection and payment are achieved conveniently, the security, the confidentiality and the usability are greatly improved, and the applicable crowd range is widened. Meanwhile, the device can be a wearable article such as a watch, a bracelet, a ring and the like in appearance, and the device can also be arranged in a wearable accessory and is convenient to use and fashionable.

Disclosed is an electronic payment method based on a cloud data processing technology. The electronic payment method based on the cloud data processing technology comprises the steps that terminal equipment sends payment confirming information to a cloud server based on operation information of a user, wherein the payment confirming information carries first order form information, a payment account of the user, verifying information of the user and identification data of the terminal equipment; after receiving the payment confirming information, the cloud server extracts second order form information from a merchant server corresponding to the first order form information, verifies the first order form information according to the second order form information, and submits payment requests to a payment server, wherein the payment requests at least carry payment amount, payment objects, a dealing number associated with the first order form information, the payment account, the verifying information and the identification data of the terminal equipment; and after receiving the payment requests, the payment server acquires a bank account corresponding to the payment account, and payment is finished through the bank account after the verifying information is verified. The technical scheme is that the electronic payment method based on the cloud data processing technology can ensure safety of electronic payment and convenience of the electronic payment.

The invention discloses a high-security wearable collection and payment device which comprises a storage module, a payment information reading and collection information setting module, a terminal user identity recognition module, a communication module, an input-output module and a microcontroller. Meanwhile, the invention discloses a high-security wearable collection and payment method used for the high-security wearable collection and payment device. The method includes the steps of a setting action, a collection action and a payment action. When the device is wearable, the method can also include the step of a wearing verification action. The device and method conduct user identity presetting through a biosensor, when the device and method are used, identity verification and recognition are conducted through the biosensor, the step that information such as a password is input manually for login verification is omitted, a plurality of operations in the collection and payment processes are also greatly reduced, rapid and secure nearby electronic collection and payment are achieved conveniently, the security, the confidentiality and the usability are greatly improved, and the applicable crowd range is widened. Meanwhile, the device can be a wearable article such as a watch, a bracelet, a ring and the like in appearance, and the device can also be arranged in a wearable accessory and is convenient to use and fashionable.

Disclosed is an electronic payment system based on a cloud data processing technology. The electronic payment system based on the cloud data processing technology comprises terminal equipment, a cloud server, a payment server and a merchant server. The terminal equipment is suitable for sending payment confirming information to the cloud server based on operation information of a user, wherein the payment confirming information carries first order form information, a payment account of the user, verifying information of the user and identification data of the terminal equipment; the cloud server is suitable for extracting second order form information from the merchant server corresponding to the first order form information, verifying the first order form information, and submitting payment requests to the payment server, wherein the payment requests at least carry payment amount, payment objects, a dealing number associated with the first order form information, the payment account, the verifying information and the identification data of the terminal equipment; and the payment server is suitable for acquiring a bank account corresponding to the payment account, and finishing payment through the bank account after the verifying information is verified. The technical scheme is that the electronic payment system based on the cloud data processing technology can ensure safety of electronic payment and convenience of the electronic payment.

The present invention discloses an on-line near-field payment system and method based on cell phone numbers. The system comprises a user terminal, a register server, a payment server, an IP address assignment authentication unit, an information collection unit and an identity server. A user first registers on the register server and the identity server, a payment request is sent to the register server when payment is required, payer identity and paying party authentication processes are completed through cell phone numbers, so as to carry out payment and realize on-line near-field payment. Users do not need to browse merchant websites, individual-to-individual and individual-to-merchant payment can be conveniently carried out, and the system and method are high in safety, simple to operate, and suitable for various consuming and account transferring environments.

This invention relates to a payment management system used in providing payment service to the gathering units and bank payment platforms including: a central database, a communication module, a cipher module, a payment service module and a business recording management module, in which, a payer provides a payer identifying number different from the bank account information to the gathering unit, which sends a request for the money to the platform via the system and the platform processes the request then feeds back the information about if the payment is successful. When a payer pays the money or transfers accounts, it can finish them smoothly and safely by providing the identification number of the payer to the gathering unit only without inputting the bank accounts information, the system can provide different kinds of identification numbers according to the needs of payers and multiple gathering units can accept multiple payment ways of the payers after connecting with this system platform.

The invention provides a POS device identity recognition method, a POS device and a server. The POS device identity recognition method comprises the steps of sending a POS device serial number to a CAauthentication center; authorizing to generate a corresponding digital certificate by the CA authentication center; verifying the legality of the digital certificate by the server to ensure the POS device to have a payment permission while payment transaction; then sending signature data to the server by the POS device after a random number sent by the server is signed through a private key; andverifying the legality of the signature data based on the digital certificate by the server so as to finish identity recognition of the POS device. Through double-verification mode of the server, thePOS device identity recognition method can ensure the security and reliability of payment of the POS device and can prevent the serial number of the POS device from be tampered; meanwhile, the POS device identity recognition method saves precious storage resources and updating maintenance cost of the server and improves the security and reliability of payment transaction as a white list of the POSdevice is unnecessary.

The invention provides a payment method and a payment system on the basis of NFC (near field communication). The payment system comprises a paid-side device with an NFC chip and a payment-side device with an NFC chip. Applied to the paid-side device, the payment method includes receiving a request for purchasing a designated commodity object and generating an order according to property of sales of the commodity object selected by a user; extracting information of the order to generate a payment request after receiving order submission confirmation; sending a request for building communication connection to the payment-side device to build near field communication between the paid-side device and the payment-side device; sending the payment request to the payment-side device to allow the payment-side device to execute a payment operation; and receiving payment completing information fed from the payment-side device and performing subsequent operations on corresponding order according to the payment completing information. The payment method and the payment system on the basis of NFC bring convenience for users of intelligent TV to do online payment so as to improve online payment efficiency thereof, and further improve safety of the NFC-based payment operation.

The invention relates to an electronic payment method supporting multiple accounts. The method includes a setting link and a payment link. The setting link includes the following steps that: a backstage system distributes unique identifiers for users; and the backstage system generates at least one payment account corresponding to the unique identifiers and payment rules corresponding to the unique identifiers for the users. The payment link includes the following steps that: current users interact with a service acceptance terminal through handheld smart phones, and the service acceptance terminal reports the service data of current payment to the backstage system; the background system determines the service scenes of the current payment according to the service data and determines an applicable account list according to the payment rules corresponding to the unique identifiers of the current users; and the backstage system completes the payment by using the applicable account list based on the payment rules. With the electronic payment method adopted, safe and reliable payment can be realized, and at the same time, the users can conveniently use a plurality of accounts to carry out collaborative payment under different service scenes.

The invention discloses a payment method based on mobile phone payment. In the method, a user binds bank cards with a financial intelligent card in a mobile phone; a payment client terminal which is connected with a mobile phone payment platform by a network is installed on the mobile phone; after inquiring payment information or receiving payment bills sent form the mobile phone payment platform, the user selects a bank card, inputs passwords to pay the required charge; in the paying process, DES (Data Encryption Standard) or 3DES encryption algorithm is used for enciphering sensitive data and an encrypted message, and an MAC (Message Authentication Code) authentication method is also used. The invention provides two modes of active payment and payment by informing of the payment platform, can meet requirements of different users, pay charge very safely, ensure the payment timeliness of users, and save public payment facility resources. The invention provides a quicker, safer and more convenient payment method.

The invention discloses a synchronous payment system for controlling a payment process by a buyer and a seller by utilizing currency virtualization and compositing technologies. The synchronous payment system comprises a buyer computer system, a seller computer system, a buyer bank synchronous payment system, a seller bank synchronous payment system and a secure communication network. The buyer operates the buyer bank synchronous payment system to obtain currency to be paid and a buyer password, and the seller obtains currency to be received, a seller password, a weight password and a state password. The buyer transmits the buyer password to the seller after receiving qualified goods, and the seller receives the currency by the buyer password through the seller bank synchronous payment system, or the buyer pays the currency to be paid to the seller to finish payment. On the contrary, the seller transmits the seller password to the buyer after receiving returned goods, and the buyer receives refund by the seller password through the buyer bank synchronous payment system, or the seller pays the currency to be received to the buyer to refund. The currency virtualization and compositing technologies are used for controlling the payment process by the buyer and the seller, and the problem of commodity transaction payment security is solved.

The invention discloses a confirmation payment system using human body biological characteristics. The system comprises a payment processing center (1), merchant POS machines (2), and positioning devices (3) of users. The positioning devices (3) are used for distinguishing whether the users are located in the specific scopes of the POS machines (2); the payment processing center (1), according to whether the position of each positioning device (3) is located in the specific scope of a certain POS machine (2), generating a candidate payment account list, the content of which comprises payment account data of each user in the specific scopes. During payment, the POS machines (2) transmit the human body biological characteristic information of the users to the payment processing center (1), the payment processing center (1) finds out payment accounts successfully matching the human body biological characteristic information from the candidate payment account list and then transfers transaction accounting items to the payment accounts. The users can pay a merchant according to the human body biological characteristics of the users themselves, such as fingerprints, palm prints, or appearances and the like, and the payment is convenient and safe.

The invention relates to a two-dimensional code payment method used for an electronic scale. The two-dimensional code payment method comprises the following steps: 1) sending cargo information to a two-dimensional code generation and display system through the electronic scale; 2) converting the information to a two-dimensional code through the two-dimensional code generation and display system; 3) scanning the two-dimensional code by utilizing handheld electronic equipment, wherein the handheld electronic equipment is provided with an ID (Identity) account, the handheld electronic equipment is provided with a two-dimensional code calculation module and the two-dimensional code calculation module is used for calculating information in the two-dimensional code; 4) communicating the handheld electronic equipment with the two-dimensional code generation and display system; collecting the ID account of the handheld electronic equipment by the two-dimensional code generation and display system, and judging whether the ID account has enough balance for payment; 5), if judging that the ID account has the enough balance, deducting the payment amount from the ID account; if judging that the ID account has insufficient balance, prompting that the balance is not enough. According to the two-dimensional code payment method used for the electronic scale, incorrect deduction can be prevented and safe payment is ensured.

The invention discloses a safe code scanning payment method. A customer selects and purchases needed commodities after entering a store; if the customer selects an online store, a payment intelligent code is displayed on a third party payment gateway; if the customer selects a physical store, the customer transmits purchase information to an intelligent pos of the merchant, a payment request is transmitted to a third party payment platform through the intelligent pos, and then the payment intelligent code is sent back to the intelligent pos; after the customer has chosen the commodities, the payment intelligent code displayed on the payment gateway or the intelligent pos is scanned, merchant information, commodity information and commodity prices are decrypted, and a payment procedure is to be conducted after correctness of the merchant information, the commodity information and the commodity prices is confirmed; the customer selects whether to adopt a password carrier or to directly transmit the payment intelligent code to complete payment; the third party payment platform completes money deduction and account entry procedures according to information of the payment intelligent code, meanwhile, transaction success information is fed back to the merchant, and verification information is given to the customer; a transaction is completed. According to the safe code scanning payment method, customers can select and purchase commodities by themselves and place orders to generate payment intelligent codes; information is encrypted in the whole process, and the payment process is safe and reliable; payment is convenient, simple and direct; both merchants and customers can complete transactions quickly.

The embodiment of the invention provides a service payment method and system, and relates to the technical field of an IPTV. The service payment method and system support the development of paying services in a convenient, fast and safe payment mode, and promotes the development of a television application portal. The method includes the steps that a set top box sends a charge inquiry request message to a television business server; the television business server generates payment two-dimension code information according to identification information of the set top box; the set top box obtains the payment two-dimension code information and sends the payment two-dimension code information to a display device; a mobile terminal scans and obtains the payment two-dimension code information displayed by the display device, and obtains the identification information and payment information of the set top box according to the payment two-dimension code information; the mobile terminal sends a payment request message to the television business server according to the identification information and the payment information of the set top box; and the television business server finishes the payment of the payment information according to the payment request message.

The present invention discloses a trade system based on network service platform. Said system includes customer terminal connected into Internet, service / contents provider and intermediate sever. The customer terminal can make trade with service / contents provider by means of Internet, and said system also includes payment server connected with the intermediate server, said payment server is used for examining and verifying or acknowledging the trade request of customer terminal and making payment. The intermediate server can be used for transferring message between customer terminals, service / contents provides and payment server. Besides, said invention also provides the concrete steps of said trade method.

The invention provides a payment authentication device and a payment authentication method, and belongs to the technical field of financial payment.The payment authentication device provided by the invention comprises a biological characteristic information collection module used for collecting the fingerprint information of one or more fingers of a hand of a user, and an account authentication module used for performing account recognition on the plurality of user accounts based on the fingerprint combination information of the fingerprint information, and performing account authentication on the recognized account based on the fingerprint information.According to the payment authentication device and the payment authentication method provided by the invention, the payment is safer, a default account does not need to be set aiming at the plurality of user accounts, selection and switching among the plurality of user accounts is more flexible, and the user payment experience is good.

The invention provides a security payment method and system. In a payment process, a customer client needn't tell an account number to a commercial tenant client, a customer opening bank server can provide a payment voucher for the commercial tenant client, the commercial tenant client can collect expense according to the payment voucher, meanwhile no direct information interaction exists between the customer opening bank server and the commercial tenant client, and the commercial tenant client can entrust a commercial tenant acquiring bank server to withdraw money form the customer opening bank server. The security payment method and system can guarantee the safety of the user account number. In addition, no direct information interaction exists between the customer opening bank server and the commercial tenant client, the identity of the customer opening bank server and the identity of the commercial tenant client needn't be authenticated, the complex steps in payment are reduced, and the payment process is safer and more convenient.

The invention discloses a movable payment method, and belongs to the technical field of electronic payment. The method comprises the steps of receiving first payment information transmitted to a payment platform by a user terminal, transmitting the first payment information after a user determines to purchase goods; receiving second payment information transmitted to the payment platform by the user terminal; transmitting the second payment information after the user confirms payment or receives the purchased goods, wherein the first payment information and the second payment information respectively comprise a part of content of the payment information; and the first payment information and the second payment information form intact payment information; applying for payment according to the first payment information and the second payment information, and feeding the payment result back to the user terminal. The payment request, the first payment information and the second payment information of the user are respectively carried out through different communication channels. Therefore, the security and reliability of the entire payment process are ensured; the entire payment security is not affected even if one piece of information is intercepted and decoded, and the security of mobile payment is greatly improved.

The invention provides a dynamic two-dimensional code aggregation payment system based on an electronic scale, comprising an electronic scale, and an aggregation payment gateway and a data & application server. The electronic scale is composed of a power supply, a weighing sensor, an A / D conversion module, an embedded MCU, a main control terminal and a guest screen terminal. The invention also provides a working method of the dynamic two-dimensional code aggregation payment system based on an electronic scale, comprising the following steps of: running commodity sales application software on the electronic scale and generating a dynamic two-dimensional code; scanning the dynamic two-dimensional code by a buyer and initiating an access request to the aggregation payment gateway; authenticating the electronic scale and sending a payment request to a third-party payment platform after authentication by the aggregated payment gateway; performing payment interaction; feeding back payment results; storing data. The invention realizes the architecture design of the dynamic two-dimensional code aggregation payment based on the electronic scale, realizes one code-multiple payment and one code-one payment dynamic two-dimensional code containing payment amount, does not need customer input amount, has good consumption experience, and improves the service quality of the merchant.

Present invention provides personage to personage paying method and system utilizing speech sounds or speech-sounds and message communication. It contains speech-sounds communication interface of telecommunication network, message centre gateway communication interface, speech-sounds communication / processing module, subscriber administration module, user data base, fund management module, fund deal data base, and paying process control module etc. Payment side can complete paying deal course to gathering side only utilizing handset through speech-sounds or speech-sounds and message and paying service system interaction. Present invention has simple convenience and instant with safety and reliability.

The invention discloses a mobile long-distance payment system, which comprises a mobile terminal, an SIM (subscriber identity module), a background service system and a third-party business extension module, wherein the third-party business extension module positioned between the mobile terminal and the SIM is used for transparently transmitting data which are transmitted from the SIM to the mobile terminal, and receiving commands transmitted by the mobile terminal, if the commands relate to the third-party business, the commands are transmitted to the mobile terminal after processing of the third-party business, otherwise, the commands are transparently transmitted; the mobile terminal is used for transmitting information received from the third-party business extension module and related to the third-party business, and transmitting information received from the background service system and related to the third-party business; and the background service system is used for receiving information transmitted by the mobile terminal and related to the third-party business and feeding back the information to the mobile terminal after the information is processed. By the aid of the scheme, mobile payment is fine in interactivity, and a payment process is safer.

The invention discloses a dynamic payment method and system. The method comprises the steps that S100, a client generates a dynamic code according to current time, a bank card serial number of a user and device identifier information of a client; S200, the client encrypts unique identifier information corresponding to a bank card plug-in in the client according to the generated dynamic code; S300, the client generates a dynamic bank card number according to the bank card serial number information in the client, the dynamic code and the encrypted unique identifier information in the step S200; and S400, a server performs verification according to the dynamic bank card number, and finishes payment when the verification succeeds, otherwise, returns to and executes the step S100. The purpose of the method is to generate the dynamic bank card number, and an offline authentication mode is adopted, so that the payment efficiency is improved and the use convenience is brought for users.

The invention discloses a terminal payment method and a terminal based on near field communication, wherein the method comprises the following steps: a content service provider mobile terminal clientwhich is an SP mobile terminal client carries out service negotiation with an SP through wireless air communication to determine service information and writes the service information to an intelligent card end service of the SP mobile terminal; the intelligent card end service of the SP mobile terminal carries out near field communication with the SP and provides the service information for the SP; and the SP mobile terminal client communicates with a wallet service provider mobile terminal intelligent card service which is a WP mobile terminal intelligent card service and pays for the SP. Bythe invention, the problems of limited consumption kinds, inflexible operations and low safety existing in near field communication mobile payment of the relevant art can be solved by fully utilizingthe payment and operation flexibility of various modules and safe protection of the interaction among the modules and the aim for realizing safe and flexible payment can be achieved.

The invention relates to a vending machine allowing fingerprint payment. The vending machine comprises a vending machine body taking a PLC (programmable logic controller) as center control. The vending machine is characterized by further comprising a remote user fingerprint information collection control center and a fingerprint recognition module, the remote user fingerprint information collection control center is used for user fingerprint and relative electronic purse registration and storage, the fingerprint recognition module is connected with the PLC and used for extracting a fingerprint input during user payment, and the fingerprint is verified with fingerprint information stored in a database to realize payment. By the vending machine taking the fingerprint as a password to perform identity verification, a link of information encryption is omitted, and degree of safety is improved; besides, hardware cost of a payment system can be lowered, and payment success rate is increased.

The invention provides a network TV payment authenticating system, and the transaction payment center and a network TV terminal thereof, wherein, the payment authenticating system comprises the network TV terminal and the transaction payment center; the network TV terminal comprises a storage unit and a transmission unit; and the transaction payment center comprises a storage unit and a judgment unit. The network TV payment authenticating system which treats the MAC address of the network TV terminal and the running number of the hardware of the network TV as the identity authentication logo of the network TV terminal has the advantages that the network TV payment authenticating system is bound with the hardware of the network TV terminal, so that no information such as a user name or a password is needed to be input; and the drawback that the operation during e-payment on the computer is tedious is overcome, thereby providing more convenience for the operation of network TV payment. Meanwhile, as no information such as a user name or a password is needed to be input, the invention further has the advantage that the information can not be intercepted or robbed, thereby securing the transaction and the payment.

The invention provides a two-dimensional code payment method and device for a smart watch. The method includes the following steps that: a smart watch is bound with a user account, and a two-dimensional code for identifying a user is generated; in payment, the two-dimensional code is scanned, so that payment information can be obtained through the two-dimensional code, wherein the payment information at least contains payment amount and transaction information; and a payment request for paying corresponding amount is sent to the user account. With the two-dimensional code payment method and device for the smart watch provided by the invention adopted, the smart watch can perform two-dimensional code payment, shopping can be facilitated, and the convenience and applicability of the smart watch can be improved.