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Non-card payment method and device

A payment platform and communication method technology, applied in the field of secure transactions, can solve the problems of poor payment security, vulnerable to the threat of viruses, Trojan horses, and poor smartphone operating system security, so as to ensure transaction security and avoid poor payment security.

Inactive Publication Date: 2014-07-30
GIESECKE & DEVRIENT (CHINA) INFORMATION TECH CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0010] In this case, there is no transaction confirmation link or transaction confirmation on the mobile terminal, and the payment security is poor
The security of the smartphone operating system is poor, and it is vulnerable to the threat of viruses and Trojan horses

Method used

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  • Non-card payment method and device
  • Non-card payment method and device

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0071] Combined with a secure Bluetooth peripheral with Bluetooth communication function, on a mobile phone or computer that supports the Bluetooth protocol, when the user conducts a card-free payment transaction through a third-party payment platform such as Alipay, before the transaction is completed, through the Bluetooth interface on the mobile phone or computer The transaction information is sent to the secure Bluetooth peripheral, and after the customer confirms that the transaction information and transaction amount are correct, the transaction is confirmed through the physical confirmation device on the secure Bluetooth peripheral. Under the protection of the encryption and authentication of the security chip, the secure Bluetooth peripheral returns the transaction confirmation information to the third-party payment platform to complete the card-free payment process.

Embodiment 2

[0073] Combined with secure Bluetooth peripherals with Bluetooth communication functions, when a customer enters a physical store, the Bluetooth base station network placed in the store can immediately discover the existence of the customer, lock its registration information (including account number, etc.) and locate the customer. The customer obtains the product and the information of the product (including product name, price, quantity) in the store. When the customer finishes shopping and arrives at the exit or cash register, through the Bluetooth base station network, the merchant can receive and confirm the customer's product information (including product name, price, quantity), form a settlement list and transaction amount, and send the customer's secure Bluetooth Peripherals send transaction information. After confirming that the transaction information and transaction amount are correct, the customer confirms the execution of the transaction through the physical conf...

Embodiment 3

[0075] The offline card-free payment process of the iBeacon application based on this technical solution includes:

[0076] Step 1): The user walks into the payment area, and the iBeacon base station locates the secure Bluetooth peripheral;

[0077] Step 2): The secure Bluetooth peripheral automatically sends the card number (20 bytes) to the iBeacon base station;

[0078] Step 3): Before officially confirming the payment (such as after entering the amount), the iBeacon base station sends a transaction confirmation message;

[0079] Step 4): After receiving the transaction confirmation information, the secure bluetooth peripheral device prompts the user to confirm (via the confirmation key), and sends the transaction confirmation information to the payment platform after authentication and encryption, and the user completes the payment after confirmation.

[0080] Based on the above three embodiments, it can be known that this technical solution is applicable both online and ...

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Abstract

The invention provides a non-card payment method and device. The method is carried out on an external device only provided with a financial application, trade information is received, and the trade information is checked; a confirm instruction is sent for the correct trade information after verification, wherein the confirm instruction is expressed to be execution of a corresponding trade; encrypted authentication is carried out according to the correct trade information after verification, and trade confirm information is obtained; the trade confirm information is sent to a payment platform, and payment is finished. According to the technical scheme, before the payment trade is executed, a client carries out safety confirmation through the special external device, the encrypted authentication is carried out on the trade confirm information, and the safer trade is achieved.

Description

technical field [0001] The invention relates to the field of safe transactions, in particular to a cardless payment method and device. Background technique [0002] With the development of wired and wireless high-speed broadband, the rapid development of e-commerce drives the explosive growth of online payment services. China UnionPay opened the cardless payment business in 2011. Third-party payment represented by Alipay leads the trend of cardless payment. Cardless payment quickly attracts many users with its fast and convenient features. This has driven the rapid development of offline card-not-present payment applications. [0003] With the development of technology, smart phones are becoming more and more powerful and popular. Thus, it has the trend of payment convenience. At the same time, there is a higher demand for payment security. [0004] The development and progress of the above aspects are promoting the vigorous development of various emerging card-not-prese...

Claims

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Application Information

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IPC IPC(8): G06Q20/08G06Q20/42
CPCG06Q20/388
Inventor 肖卫胡佳伍斌
Owner GIESECKE & DEVRIENT (CHINA) INFORMATION TECH CO LTD
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