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Methods and devices for generating payment mark and performing payment verification using the payment mark

A technology for marking and payment requests, applied in payment systems, payment architectures, data processing applications, etc., can solve problems such as payment security by replacing the main account, and achieve the effect of improving payment security and avoiding security risks.

Active Publication Date: 2018-12-18
ADVANCED NEW TECH CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, the rules for generating payment tokens in conventional technologies are relatively simple, and cannot really meet the needs of completely replacing the main account number and ensuring payment security

Method used

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  • Methods and devices for generating payment mark and performing payment verification using the payment mark
  • Methods and devices for generating payment mark and performing payment verification using the payment mark
  • Methods and devices for generating payment mark and performing payment verification using the payment mark

Examples

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Embodiment Construction

[0047] The solutions provided in this specification will be described below in conjunction with the accompanying drawings.

[0048] figure 1It is a schematic diagram of an implementation scenario of an embodiment disclosed in this specification. In this implementation scenario, the third-party electronic payment platform, such as the Alipay service platform, can generate a secure payment token for the user's bank card, that is, token, so that when the user makes a payment, the payment token can be used to replace sensitive information such as the bank card number Verify the payment with the bank.

[0049] Specifically, when a user requests to bind a bank card, the electronic payment platform generates a payment token for the user's bank card according to the user's card binding request. The payment mark at least includes a first field indicating the time period to which the current moment belongs, a second field using serial numbers sequentially generated in the current time...

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Abstract

Embodiments of the present specification provide a method of generating a payment mark, and a method of performing payment verification using the payment mark. In accordance with the above method, when a user requests to bind a bank card, a payment mark is generated for the bank card of the user, the payment mark at least comprising a first field indicating a time period to which the current timebelongs, a second field using a serial number sequentially generated in the current time period as a field value, and a third field indicating a card issuing mechanism corresponding to the bank card.In the payment stage, the payment mark can be sent to the card issuer instead of the bank card number for payment verification, so as to improve the payment security.

Description

technical field [0001] One or more embodiments of this specification relate to the field of electronic payment security, and in particular to methods and devices for generating payment tokens and using payment tokens for payment verification. Background technique [0002] In the traditional payment process, the user and account information are recorded in the recording medium of the bank card, and the information is read by a reading terminal, such as a POS machine, and sent to the bank for verification to complete the payment transaction process. According to different recording media, bank cards can be divided into magnetic stripe cards and chip cards. [0003] A magnetic stripe card is a card-shaped magnetic recording medium, which uses a magnetic carrier to record character and digital information for identification or other purposes. The magnetic card is made of high-strength, high-temperature-resistant plastic or paper-coated plastic, which is moisture-proof, wear-res...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/40G06Q20/34
CPCG06Q20/3415G06Q20/401G06Q20/409
Inventor 王胜
Owner ADVANCED NEW TECH CO LTD
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