Electronic payment system and remote-based or near-field-based payment method

Abstract

The invention relates to an electronic payment system and a remote-based or near-field-based payment method. The electronic payment system comprises a remote payment subsystem and a near-field payment subsystem, each of the subsystem comprises a payment card, a payment terminal, a collection card, a collection terminal, a payment server and a collection server. According to the remote-based payment method, remote payment can be achieved through a bound remote payment account, the payment terminal, the payment card and payment passwords, remote payment collection can be achieved through a bound remote collection account, the collection terminal and the collection card, and the payment server receives payment amount and the payment passwords. According to the near-field-based payment method, near-field payment can be achieved through a bound near-field payment account, the payment terminal and the payment card, near-field payment collection can be achieved through a bound near-field collection account, the collection terminal and the collection card, the payment information of the payment terminal and the payment information of the payment card are mutually backed up, and the collection information of the collection terminal and the collection information of the collection card are mutually backed up.

Description

technical field [0001] The invention relates to the technical field of electronic payment, in particular to an electronic payment system and a payment method based on remote or near field. Background technique [0002] Electronic payment includes remote payment and near-field payment, etc., and remote payment includes mobile phone payment, bank card acquiring, prepaid card acceptance, etc. [0003] Remote payment is applied in the online environment, and the payment password needs to be input to the POS terminal, which is insufficient in security. [0004] Near-field payment is applied in an offline environment. If the IC card or mobile phone used for near-field payment is lost or damaged, the electronic money stored in the IC card or mobile phone is vulnerable to loss. [0005] Therefore, the present invention proposes an electronic payment system and a remote or near-field based payment method for the above-mentioned payment security problem. Contents of the invention ...

AI Technical Summary

Problems solved by technology

[0003] Remote payment is applied in the online environment, and the payment password needs to be input to the POS terminal, which is insufficient in security

[0004] Near-field payment is used in an offline environment. If the IC card or mobile phone used for near-field payment is lost or damaged, the electronic money stored in the IC card or mobile phone is vulnerable

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