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Payment processing method and system

A processing method and processing system technology, applied in the field of payment processing, can solve problems such as low security, and achieve the effects of improving security, facilitating selection and use, and avoiding errors

Inactive Publication Date: 2016-01-06
李思贤
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0007] In order to overcome the low security of existing offline payment technology, the purpose of the present invention is to provide a payment processing method and system with higher security

Method used

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  • Payment processing method and system
  • Payment processing method and system

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Embodiment Construction

[0060] The present invention will be described in further detail below in conjunction with the accompanying drawings and specific embodiments.

[0061] figure 1 It shows the application environment of a payment processing method and system of the present invention, please refer to figure 1 A payment processing method and system of the present invention includes a payment terminal 100, a collection terminal 200, and a server 300, wherein the payment terminal 100 communicates with The collection terminal 200 is connected; the server 300 is connected with the collection terminal 200 through a network, including but not limited to the public line network of the Internet, telephone line network, satellite communication network, wide area network, local area network, Internet Protocol-virtual private network, etc.; The terminal 100 is connected to the server 300 through the collection terminal 200 .

[0062] figure 2 A schematic flow chart showing a payment processing method of ...

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Abstract

The present invention provides a payment processing method and system, and aims to overcome the deficiency of low security of an off-line payment technology. The method comprises the following steps of a payee terminal creating first payment data and sending the payment data to a payment terminal; after receiving the first payment data, the payment terminal creating second payment data and sending the second payment data to the payee terminal; after receiving the second payment data, the payee terminal creating third payment data and uploading the third payment data to a server; and the server receiving the third payment data and verifying the third payment data, and after the verification is passed, completing payment processing. According to the payment processing method and system, by means of establishment of the first payment data, the second payment data and the third payment data, the off-line payment security is improved; and by means of various code settings, the payment of amount of different levels is satisfied, thereby providing use convenience for users.

Description

technical field [0001] The invention relates to a payment processing method and system, in particular to a payment processing method and system with high security. Background technique [0002] At present, various banks realize the deposit and withdrawal business through UnionPay, but in general, banks do not provide such guarantee business as cash on delivery. If users want to make safe payments, they must go through a third-party payment platform that provides safe payment functions. Now most of these platforms communicate with customers through websites, software or mobile APPs to facilitate online payments for customers. [0003] But now online payment is more for online buyers and sellers. It is not very helpful for offline sales, especially physical sales models such as supermarkets and convenience stores. The reason is that payment is inconvenient and the payer needs to pay. Complete the steps of login, input, verification, confirmation, etc. to complete the payment,...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/38
CPCG06Q20/3829
Inventor 李思贤
Owner 李思贤
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