Dynamic payment system and method based on asynchronous communication technique

Abstract

The invention discloses a dynamic payment system and a method based on asynchronous communication technique. The system includes a payment card, a cardholder mobile terminal, a payment terminal, a payment card system server, and one or more third party payment systems. The dynamic system achieves one card being integrated by multiple cards and offline payment. The dynamic payment method is further linked with other accounts of a cardholder through the relevance between the payment card and the mobile terminal, so that the cardholder can choose different accounts according to different payment scenes, and the security and choosability of the payment and choice can be improved.

Description

technical field [0001] The invention relates to a dynamic payment system and method in the financial field, in particular to a mobile dynamic payment system and method based on asynchronous communication technology. Background technique [0002] With the development of the financial services industry, electronic payment has become popular all over the world. As the main tool of electronic payment in the early stage, the magnetic stripe card, due to its simple technology and easy copying of the magnetic stripe information, has led to frequent cases of forgery and embezzlement of magnetic stripe information, causing huge losses to cardholders and card issuers, and has been gradually adopted by IC card replaced. [0003] At present, the smart IC card is widely used in electronic payment. The microprocessor in the card integrates the central processing unit CPU, program memory ROM, data memory EEPROM and RAM, and the ROM is equipped with a chip operating system COS (Chip operat...

AI Technical Summary

Problems solved by technology

[0004] Although smart IC cards can improve payment security, there are differences in the payment business processes of different card issuers, and the control program and data processing process of the microprocessor in the IC card cannot be used universally, so it is still impossible to realize the cardholder's needs in an IC card. The microprocessor on the card manages, stores and operates the accounts of multiple different card issuers separately

[0005] On the one hand, the above problems lead to the inability of one IC card to integrate multiple card issuers and multiple application accounts in practical applications. The phenomenon of "one card for one thing, multiple cards for one person" is common, which brings inconvenience to cardholders to carry and use; On the other hand, the cardholder must complete the payment pre-authorization of the account through the IC card recharge machine at the designated place, even though some financial IC cards have physically integrated the functions of debit, credit and small pre-authorized swiping card payment into one card. on the IC card, but the information between each account cannot be automatically exchanged, and the payment pre-authorization of the IC card account cannot be completed

[0011] One is that most mobile phones are limited by the capacity of the SIM card, and all the information sent is in plain code, resulting in low security for mobile payment;

[0012] The second is that the above three payment methods are all online payments, which are severely restricted by the conditions of the on-site wireless communication network, and are prone to abnormal situations such as lost orders and payment failures caused by transaction order transmission failures

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