Mobile payment apparatus and system and operating method thereof

Abstract

The embodiment of the invention provides a mobile payment apparatus and system and operating method thereof. The mobile payment apparatus comprises an authentication data acquiring device, a first input device, and a communication device. The authentication data acquiring device is used for acquiring authentication data carrying a payment account number from a smart terminal for the payment of a user, wherein the authentication data is a basis for a bank payment server to determine whether payment is allowed. The first input device is used for receiving a payment password and payment amount input by the user. The communication device is used for transmitting a payment request to the bank payment server for triggering the bank payment server to perform payment-related operation, wherein the payment request comprises the acquired authentication data, the payment password, and the payment amount. Since the authentication data is provided for the mobile payment apparatus by the smart terminal without a close range induction function, mobile payment popularization is benefited, wherein the smart terminal can be a common smart phone, tablet computer, or other similar mobile device with a wireless communication function.

Description

technical field [0001] The invention relates to the technical field of mobile payment data processing, in particular to a mobile payment device, system and working method thereof. Background technique [0002] At present, there are usually three modes for customers to consume in physical stores and pay through banks: 1. Use a physical bank card to insert the card to the merchant's POS (point of sale, sales terminal) machine for consumption payment; 2. Use customer aliases (such as mobile phone numbers) or card number), the reservation code sent by the bank to the customer's mobile phone, and the random password generated by the bank to pay for non-card consumption at the merchant's POS; 3. Use a special mobile phone with mobile payment function on the merchant's POS that supports short-distance inductive mobile payment consumer payment. However, there are defects in the above three modes: the first mode uses bank cards and bank card passwords for POS consumption payment, wh...

AI Technical Summary

Problems solved by technology

However, there are defects in the above three modes: the first mode uses bank cards and bank card passwords for POS consumption payment, which is the most commonly used consumption payment method at present. Customers must hold the card and know the card password to make POS consumption payment. Unable to pay with bank card

The second mode provides a convenient card-free consumption payment function, but this mode requires customers to manually enter more information on the POS when paying for consumption. This information may include customer card numbers (or temporary verification codes generated by banks), Only the appointment code reserved by the customer or the random password of the bank can be used for consumption payment. There are many manual input contents, which are very troublesome for the customer and easy to enter incorrectly. The generated appointment code and dynamic password are all in plain text, and the text message content is easy to be intercepted by others or peeped by others, causing security risks

The third mode has special requirements for the user's mobile phone. The mobile phone must have special hardware devices to support near-field communication such as NFC in order to realize mobile payment. The SIM card used must also be specially processed by the bank. The existing ordinary mobile phones cannot realize this type. mobile payment, which is not conducive to the promotion of mobile payment

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