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Payment method and terminal

A terminal and payment request technology, applied in the payment system, payment system structure, instruments, etc., can solve the problems of low penetration rate, cumbersome, poor payment experience, etc., and achieve the effect of ensuring payment security

Inactive Publication Date: 2016-10-12
GUANGDONG OPPO MOBILE TELECOMM CORP LTD
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  • Abstract
  • Description
  • Claims
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AI Technical Summary

Problems solved by technology

[0003] In the first mobile payment solution, terminals such as smartphones and tablets generally need to open the application to scan the payment QR code generated by the merchant's payment collection device, and the user then enters the payment password to complete the payment, or the terminal opens the payment function of the application to generate The payment QR code is completed by the cashier by scanning the payment QR code with a QR code scanner. However, the above process is usually cumbersome and takes a long time. The user needs to light up the terminal screen, unlock it, open the application, and then select the application The "sweep" or payment function of the mobile phone, sometimes even requires multiple scans to succeed, and the user may be required to actively enter the payment amount after the scan is successful, resulting in a poor payment experience for the user; in the second mobile payment solution , the current NFC payment application scenarios are relatively limited, mainly for the operation and use of UnionPay, and the penetration rate is not high.

Method used

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  • Payment method and terminal
  • Payment method and terminal
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Embodiment Construction

[0047] The following will clearly and completely describe the technical solutions in the embodiments of the present invention with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only some, not all, embodiments of the present invention. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without creative efforts fall within the protection scope of the present invention.

[0048] The terms "first", "second" and the like in the description and claims of the present invention and the above drawings are used to distinguish different objects, rather than to describe a specific order. Furthermore, the terms "include" and "have", as well as any variations thereof, are intended to cover a non-exclusive inclusion. For example, a process, method, system, product or device comprising a series of steps or units is not limited to the listed step...

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Abstract

Embodiments of the invention provide a payment method and a terminal. The method comprises the following steps: a terminal receives a payment request sent by a money collection device when approaching the money collection device, and opens the payment interface of a target application in response to the payment request; and the terminal gets authentication information input on the payment interface by a user, and completes payment when the authentication information matches preset authentication information. Through the embodiments of the invention, payment can be completed quickly, and the safety of payment is ensured.

Description

technical field [0001] The invention relates to the technical field of mobile payment, in particular to a payment method and a terminal. Background technique [0002] In recent years, mobile payment has developed rapidly. At present, mainstream mobile payment solutions can be divided into two types. The first is to complete the payment through applications represented by Alipay and WeChat, and the second is to use Near Field Communication (Near Field Communication, NFC) technology to complete the payment. [0003] In the first mobile payment solution, terminals such as smartphones and tablets generally need to open the application to scan the payment QR code generated by the merchant's payment collection device, and the user then enters the payment password to complete the payment, or the terminal opens the payment function of the application to generate The payment QR code is completed by the cashier by scanning the payment QR code with a QR code scanner. However, the abov...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/32G06Q20/40
CPCG06Q20/327G06Q20/40145
Inventor 韩芸
Owner GUANGDONG OPPO MOBILE TELECOMM CORP LTD
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