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Payment method, system and intelligent terminal

A smart terminal and payment system technology, applied in the payment system, payment system structure, equipment, etc., can solve the problems of cumbersome operation steps and poor adaptability of mobile payment, and achieve the effect of simple payment operation, convenient payment transaction, and reduced payment cost

Active Publication Date: 2017-07-25
济南汉泰信息科技有限公司
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  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0014] In view of the above-mentioned shortcomings of the prior art, the purpose of the present invention is to provide a payment method, system and intelligent terminal, which are used to solve the problems of poor adaptability and cumbersome operation steps in the application scenarios of mobile payment in the prior art

Method used

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  • Payment method, system and intelligent terminal
  • Payment method, system and intelligent terminal
  • Payment method, system and intelligent terminal

Examples

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Embodiment 1

[0064] For the convenience of description, the payment method in this embodiment uses figure 1 The first smart terminal 100 is taken as an example. It should be noted that the payment method in this embodiment is not only applicable to the first smart terminal 100, but also applicable to the second smart terminal 200.

[0065] The payment method in this embodiment is executed by the payment system corresponding to the first smart terminal 100 , wherein the payment system is application software or APP (Application, application) installed in the first smart terminal 100 . The application software or APP is stored in the readable medium in the form of executable instructions, and the first smart terminal 100 realizes payment by running the application software or APP. Among them, the readable medium is the memory of the intelligent terminal, including all forms of non-volatile memory, media and memory devices, including for example: semiconductor memory devices, such as EPROM, E...

Embodiment 2

[0145] This embodiment discloses a payment system, which is applied to the first smart terminal 100 and / or the second smart terminal 200 with NFC function, that is, both the first smart terminal 100 and the second smart terminal 200 are included in the payment transaction, The first smart terminal 100 and the server 300 are in the offline state of the network, and the second smart terminal 200 and the server 300 can be in the online state of the network, and can also be in the offline state of the network with the server 300; The two smart terminals 200 are all in the online state of the network with the server 300; Figure 8 shown, including:

[0146] The NFC communication module 810 is configured to realize transaction data interaction with the second smart terminal 200 through NFC. Wherein, the transaction data includes a transaction request, a first transaction response and / or a second transaction response.

[0147] A network communication module 820, configured to inter...

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Abstract

The invention provides a payment method, a system and an intelligent terminal. The payment method is applied to a first intelligent terminal. The method comprises the steps of inputting a transaction request or receiving a transaction request input and sent from a second intelligent terminal through NFC; executing the transaction request; sending a first transaction response to the second intelligent terminal through NFC, wherein on the condition that the transaction request is received, the execution of the transaction request and the sending of the first transaction response are automatically conducted; automatically generating and storing a transaction flow record. The payment settlement is conducted and completed when the first electronic equipment and the server are in the network on-line state. The settlement and transfer operation of the transaction flow record is conducted when the first intelligent terminal and a server are in the network on-line state. The settlement and transfer operation of the transaction flow record comprises the steps of sending a non-settled transaction flow record to the server for bookkeeping; receiving a settlement result from the server; according to the settlement result, realizing the transfer of funds by a bank or a third-party payment platform. According to the technical scheme of the invention, each of two transaction parties can initiate the transaction, and the payment process is simple and rapid. The user experience is improved.

Description

technical field [0001] The present invention relates to the field of network financial payment, in particular to a payment method, system and intelligent terminal based on NFC (Near Field Communication, short-distance wireless communication technology). Background technique [0002] Where there are people, there is trade. In ancient times, trade was carried out in the form of barter. With the development of metallurgical technology, metal coins gradually transitioned to the medium of circulation, and then paper money appeared in modern times. Payment through paper money is still the mainstream transaction method in modern society. However, with the development of the Internet today, the quietly emerging paperless electronic payment is rapidly changing people's payment habits. Card swiping and online shopping are no longer new things. Electronic payment has the advantages of not needing change and carrying a large amount of banknotes when paying. It is these advantages that ...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/32G06Q20/38
CPCG06Q20/3278G06Q20/382
Inventor 不公告发明人
Owner 济南汉泰信息科技有限公司
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