Electronic payment method based on cloud data processing technology

Abstract

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.

Description

technical field [0001] The invention relates to the field of electronic payment, in particular to an electronic payment method based on cloud data processing technology. Background technique [0002] At present, it is more and more common to make payments and transfers through banks. Banks read passbooks or magnetic stripe cards through commercial cash registers (POS, Point Of Sales), automatic teller machines (ATM, Auto Teller Machine) or at the counter. With the popularity of telephone banking and online banking, banks have also begun to read bank account information through telephone and the Internet. [0003] In the above way, the information including the real information of the payer's bank account is transmitted directly to the bank. In some cases, the customer of the bank, that is, the payer does not want to directly provide real account information, such as worrying about the leakage of real account information; in other cases, providing real account information wi...

AI Technical Summary

Problems solved by technology

In some cases, the customer of the bank, that is, the payer does not want to directly provide real account information, such as worrying about the leakage of real account information; in other cases, providing real account information will bring inconvenience to the payer, such as payment Those who cannot accurately remember the account information, or do not carry passbooks or bank cards, etc.

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