Method, system and mobile terminal for implementing electronic payment

Abstract

The invention provides a method of realizing of implementation of electronic payment, including: payment terminals sent account information of payer and payment information of the amount of payment to payment terminals of the receipter ;terminals of the receipter receive above information, the payment authorized request will be sent to issuers server, the request under the carry - information received and pay those accounts, including received information; issuers server verificates the received payment authorization request a, after the passage of the test, it will transfer account that payer who promised the stated amount. The implementation of this invention also provides a method based on the realization of electronic payment systems and mobile terminals. The technical implementation of the program provided by the invention will reduce repeated transmission of information during the whole process of payment, predigest payment streamline, and therefore reduce the burden of payment terminal communications, reduce communication costs and save transmission resources.

Description

technical field [0001] The present invention relates to the field of communication technology, in particular to a method, system and mobile terminal for realizing electronic payment. Background technique [0002] With the continuous development of Internet, mobile communication and computer technology, great changes have taken place in people's life style. The payment method of electronic payment is realized based on the development of computer and communication technology, and brings convenience to people's life. [0003] 3-D secure protocol (3-D secure) is an online payment security protocol proposed and developed by Visa in 2002. It is also a relatively complete electronic payment security protocol at present, and has become the standard framework for the new generation of electronic payment authentication. Visa, MasterCard, JCB, China UnionPay and American Express have all joined the 3-D secure protocol platform. See Figure 1, which is a schematic diagram of an electro...

AI Technical Summary

Problems solved by technology

[0014] In the whole payment process, the mobile terminal, as the initiator of the mobile payment request, needs to carry out frequent information interaction with the card issuer and the merchant, resulting in a heavy communication burden on the mobile terminal, which increases the communication cost and prolongs the payment process. transaction hour

Although the payment authorization is performed after the ACS authenticates the payer's identity through the password, it still provides opportunities for merchants who have a large amount of payment information of the payer to conduct commercial fraud.

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