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NFC-based payment method and apparatus

A technology of payment device and payer, applied in the direction of payment system structure, instrument, data processing application, etc., which can solve problems such as inconvenient use

Inactive Publication Date: 2017-01-04
江苏茴香豆网络科技有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

For the former method, transactions can only be carried out at offline merchants with bank payment terminals or at bank terminals with transaction functions, which has relatively large usage restrictions; the second method is for users who have bank cards but cannot use online banking. caused great inconvenience

Method used

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  • NFC-based payment method and apparatus
  • NFC-based payment method and apparatus
  • NFC-based payment method and apparatus

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Embodiment Construction

[0050] Embodiments of the technical solutions of the present invention will be described in detail below in conjunction with the accompanying drawings. The following examples are only used to illustrate the technical solution of the present invention more clearly, so they are only examples, and should not be used to limit the protection scope of the present invention.

[0051] It should be noted that, unless otherwise specified, the technical terms or scientific terms used in the present application shall have the usual meanings understood by those skilled in the art to which the present invention belongs.

[0052] The NFC-based payment method and device involved in the present invention are applied in the field of mobile payment, specifically including that the merchant reads the consumer's payment device through a mobile terminal with NFC function such as a mobile phone and / or a tablet computer, and then obtains the consumer's payment information , sending the transaction in...

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Abstract

The invention belongs to the technical field of mobile payment and provides an NFC-based payment method and apparatus. The NFC-based payment method includes receiving a payment request; acquiring the payee information and the input amount to be paid and reading the payment side device through an NFC module to obtain the payer information; sending the payer information, the payee information, and the amount to be paid to a server; and receiving the payment result returned by the server and displaying the payment result. The invention further provides an NFC-based payment apparatus. According to the invention, the payee and the payer complete the data interaction through the near-filed communication function of a mobile device, and applies to the server for the transaction processing based on the interaction data to complete the gathering and payment, and thus eliminating the need for merchants to install a transaction terminal during the gathering and being rapid and convenient.

Description

technical field [0001] The invention relates to the technical field of mobile payment, in particular to an NFC-based payment method and device. Background technique [0002] Among the traditional means of payment, cash is inconvenient to carry, has low security and relatively high transaction risk. Moreover, with the development of science and technology and the change of consumers' consumption awareness, it has become more and more common for people to pay by various bank cards and / or stored-value cards in daily life. For now, there are two main means of payment using bank cards. The first one needs to go to the bank or a terminal set up by the bank to conduct transaction activities, and the second is to use online banking for online payment. For the former method, transactions can only be carried out at offline merchants with bank payment terminals or at bank terminals with transaction functions, which has relatively large usage restrictions; the second method is for user...

Claims

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Application Information

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IPC IPC(8): G06Q20/32
CPCG06Q20/3278
Inventor 周雨豪
Owner 江苏茴香豆网络科技有限公司
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