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Dynamic payment method and system

A dynamic payment and dynamic technology, applied in the payment system, payment system structure, instruments, etc., can solve the problems of poor network signal, poor user experience, high power consumption, etc., to speed up payment efficiency, eliminate errors, and facilitate users effect used

Active Publication Date: 2017-05-31
SHANGHAI PEOPLENET SECURITY TECH
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0007] 1. The payment token must be generated online. In many supermarkets, the network signal is not good, and the user experience is poor.
[0008] 2. Some payment apps use the method of pre-downloading several payment tokens under good network conditions. In this way, the payment app must reside in the memory for a long time, frequently detect the network, and consume a lot of power
[0009] 3. Downloading payment tokens in an unsafe network or mobile phone operating environment, there is a risk of hijacking and embezzlement

Method used

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Embodiment Construction

[0042] In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the specific implementation manners of the present invention will be described below with reference to the accompanying drawings. Obviously, the accompanying drawings in the following description are only some embodiments of the present invention, and those skilled in the art can obtain other accompanying drawings based on these drawings and obtain other implementations.

[0043]In order to make the drawing concise, each drawing only schematically shows the parts related to the present invention, and they do not represent the actual structure of the product. In addition, to make the drawings concise and easy to understand, in some drawings, only one of the components having the same structure or function is schematically shown, or only one of them is marked. Herein, "a" not only means "only one", but also means "more than one".

[0044] The present...

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Abstract

The invention discloses a dynamic payment method and system. The method comprises the steps that S100, a client generates a dynamic code according to current time, a bank card serial number of a user and device identifier information of a client; S200, the client encrypts unique identifier information corresponding to a bank card plug-in in the client according to the generated dynamic code; S300, the client generates a dynamic bank card number according to the bank card serial number information in the client, the dynamic code and the encrypted unique identifier information in the step S200; and S400, a server performs verification according to the dynamic bank card number, and finishes payment when the verification succeeds, otherwise, returns to and executes the step S100. The purpose of the method is to generate the dynamic bank card number, and an offline authentication mode is adopted, so that the payment efficiency is improved and the use convenience is brought for users.

Description

technical field [0001] The invention relates to the field of financial payment, in particular to a dynamic payment method and system. Background technique [0002] With the advent of the information age, people's study, life and work are inseparable from information technology. Among them, the payment system has been increasingly developed, gradually penetrated into people's lives, and gradually began to replace the traditional functions of cash payment and credit card payment. At present, online payment is widely used. At present, fast bank card payment is widely used on the Internet, and the process is as follows: [0003] 1. After the mobile phone user logs in to the app of a payment institution, he binds a 19-digit bank card number. [0004] 2. When paying in the supermarket, the user selects a bank card on the APP, downloads an 18-19-digit payment token through the Internet on the mobile phone, and generates a barcode. [0005] 3. The salesperson uses a barcode scan...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/38G06Q20/40
CPCG06Q20/38215G06Q20/3829G06Q20/409
Inventor 谈剑锋马翔姜立稳胡剑波谢勇钱金金
Owner SHANGHAI PEOPLENET SECURITY TECH
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