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Method and device of cloud end payment

A cloud and terminal sending technology, applied in the payment system, payment system structure, instruments, etc., can solve the problems of cloud server business volume increase, transaction failure information cannot be fed back to customers in time, etc., to reduce business volume and realize front-end verification. Effect

Inactive Publication Date: 2016-06-01
WEBANK (CHINA)
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  • Claims
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AI Technical Summary

Problems solved by technology

[0006] The main purpose of the present invention is to provide a method and device for cloud payment, which aims to solve the technical problem that the cloud server can not timely feedback the transaction failure information to the customer due to the increase in the business volume of the cloud server caused by the cloud server judging the invalidity and returning the transaction failure information

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  • Method and device of cloud end payment
  • Method and device of cloud end payment
  • Method and device of cloud end payment

Examples

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no. 1 example

[0055] refer to figure 1 , which is the first embodiment of the cloud payment method of the present invention, the cloud payment method includes:

[0056] Step S100, in the cloud payment process, when the software card application receives the instruction to establish a logical channel sent by the contactless POS terminal, it is judged whether the transaction parameters in the software card application are valid;

[0057] When the user performs a cloud payment operation, the software card application receives the command sent by the contactless POS terminal. When the command is an instruction to establish a logical channel, the validity of the transaction parameters in the software card application is judged. The transaction parameters include The key information for online transactions, the transaction parameters have timeliness and / or usage limit, and are synchronized with the transaction parameters saved in the cloud server. One possible way to generate the restricted key i...

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Abstract

The invention discloses a method of cloud end payment. The method comprises steps: judging whether a transaction parameter in a soft card application is valid when the soft card application receives a logic channel establishing command sent by a non-contact PSO terminal, wherein the transaction parameter comprises key information used for online transactions; when the transaction parameter is invalid, doing not return a logic channel establishing command response and then stopping a cloud end payment process of this time; and when the transaction parameter is not invalid, returning the logic channel establishing command response and continuing to finish the cloud end payment follow-up processes. The invention also discloses a device of the cloud end payment. According to the invention, before cloud end payment information is sent to the cloud end server, the validity of the transaction parameter is judged, so the cloud end server is prevented from sending invalid payment information and the volume of business of the cloud end server is reduced.

Description

technical field [0001] The invention relates to the field of cloud payment, in particular to a method and device for cloud payment. Background technique [0002] Cloud payment is to put key information such as transaction certificates of payment applications in the cloud. Before payment, users download transaction certificates from the cloud through mobile banking, digital wallets and other mobile clients, and then use HCE (Host Card Emulation, host card emulation) technology in the contactless The payment method for completing QuickPass transactions on POS terminals. [0003] However, due to the openness of mobile terminal computing resources, the current NFC (Near Field Communication, Near Field Communication) payment application based on the host card emulation technology (HCE) faces a very large security risk. Generally speaking, the cloud payment solution will include two parts. One is the payment application in the front-end user's mobile terminal, that is, the softwa...

Claims

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Application Information

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IPC IPC(8): G06Q20/38G06Q20/40
CPCG06Q20/382G06Q20/4014
Inventor 卢道和陈朝亮杨军韩海燕孙曦吴亮邓翔蔡毅方镇举黎成邓志强
Owner WEBANK (CHINA)
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