Payment method and device

Abstract

The invention discloses a payment method and device and relates to the fields of information technologies, internet, trade, finance, payment and safety, in particular to a confirmation and management method and device for digital payment and mobile payment. A user can obtain accurate voice warning through an auditory sense checking and confirmation link when performing digital payment and mobile payment, auditory sense checking and memo management functions are added, transaction errors can be more timely found and corrected, the payment error rate is remarkably reduced, transaction risk and user loss are prevented, benefit is brought to vast populations, and convenient payment and transaction safety guarantee are provided.

Description

technical field [0001] The present invention relates to the fields of information technology, Internet, trade, finance, payment and security, in particular to a confirmation and management method and device for digital payment and mobile payment. . Background technique [0002] In the era of digitalization and mobile Internet, digital payment and mobile payment have become more and more frequent and important. Various financial institutions, banks, and enterprises are constantly innovating non-cash payment methods such as card payment, online banking payment, mobile payment, and near-field payment (NFC). And technologies, such as credit / debit card payment, automatic teller machine (ATM), online banking, Alipay, WeChat Pay, Baidu Pay, Huawei Pay, Visa digital payment, MasterPass, WorldPay, Paypal, Apple Pay, Samsung Pay, etc., have significantly It improves the convenience of transactions and promotes economic and social development. [0003] At present, such payment method...

AI Technical Summary

Problems solved by technology

[0003] At present, such payment methods and devices mainly confirm transactions in the form of text, characters, numbers, pictures, graphic codes, etc., and there are still relatively large deficiencies and risks in the use of both parties to the transaction, which will lead to inconvenient transactions and even cause transaction losses. dispute

For example, it includes but is not limited to: 1. Transaction information errors such as scanning errors and input errors are easy to escape eye (visual) observation and review; 2. The payee is not free, due to affection, laziness or other reasons, and it is inconvenient to pass the visual review; 3. The payer is negligent in auditing; 4. The user has insufficient vision or vision, especially the elderly and nearsighted, who cannot see the displayed information clearly; 5. Man-made or even malicious fraud, entering wrong data, and cheating with false pictures and graphics; 6. It is difficult to supplement information after the transaction is completed, and it is inconvenient to query and analyze afterwards; etc.

In reality, there are often payment amount errors, and criminals have secretly overlaid the payee's QR code picture with other QR code pictures, resulting in the payer's financial loss, being cheated, or stolen when paying.

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