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Transparent computing based payment method

A technology of transparent computing and payment equipment, applied in the field of payment, can solve problems such as increasing the burden on banks, and achieve the effects of reducing communication requirements, reducing burden, and reducing the number of communications

Inactive Publication Date: 2016-04-13
CENT SOUTH UNIV
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, the issue of payment security has always been the most important issue in payment scenarios
This will undoubtedly increase the burden on the bank

Method used

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  • Transparent computing based payment method

Examples

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Embodiment Construction

[0027] The present invention will be further described below in conjunction with the accompanying drawings and specific preferred embodiments, but the protection scope of the present invention is not limited thereby.

[0028] Such as figure 2 As shown, this embodiment is a payment method based on transparent computing. When a user makes a payment on a payment device, he must have a bank account number, a password, and a confirmation device bound to the bank account, and bind the confirmation device to the payment device. The specific steps include: S1. Bind the confirmation device with the payment device; S2. The user logs in to the bank server through the bank account number and password on the payment device, and enters the payment amount and the transfer-in account; S3. The payment device sends the payment to the bank server. Payment amount and transfer-in account information, the bank server receives the payment amount and transfer-in account information, and waits for th...

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Abstract

The invention discloses a transparent computing based payment method. The method comprises the steps that when a user makes a payment in a payment device, a bank account, a password and a confirmation device bound with the bank account are required at the same time necessarily, and the confirmation device is bound with the payment device; when the payment device sends payment information to a bank, the payment information is sent to the confirmation device, the confirmation device encrypts the payment information and provides the encrypted payment information to the payment device in the form of a two-dimensional code, the payment device confirms the correctness of two-dimensional code information generated by the confirmation device by scanning the two-dimensional code, and when the two-dimensional code information is determined to be consistent with the payment information, payment confirmation information is sent to a bank server to finish the payment, otherwise, the payment is failed and the payment process is ended. The method has the advantages of reducing bank data storage, reducing communication frequency and ensuring payment security.

Description

technical field [0001] The invention relates to a payment method, in particular to a payment method based on transparent calculation. Background technique [0002] With the continuous development of Internet technology, people's payment methods are also undergoing earth-shaking changes. However, the issue of payment security has always been the most important issue in payment scenarios. Among the existing mobile phone payment methods, there is a payment method using an electronic cipher. Such as figure 1 As shown, (1) represents the mobile phone sending the amount and transfer to the account to the bank, (2) represents the bank sending the formal password to the mobile terminal (3) represents the user inputting the formal password to the electronic cipher, (4) represents the electronic password generated by the electronic cipher The real password is fed back to the user, and (5) sends a confirmation message to the bank on behalf of the mobile phone. This method has certa...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/04G06Q20/08G06Q20/40G06Q40/02
CPCG06Q20/04G06Q20/085G06Q20/401G06Q40/02
Inventor 李建彬易乐天张尧学冷波
Owner CENT SOUTH UNIV
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