Mobile payment method and device, computer equipment and readable storage medium

Abstract

The invention provides a mobile payment method and device, computer equipment and a readable storage medium. The mobile payment method comprises: when near-field payment is carried out, enabling an acceptance terminal to generate verification information and send a near-field service application and the verification information to a server; receiving feedback information of the server to the verification information, controlling to start the camera, and verifying the feedback information; when the verification is passed, receiving scanning information, scanned by the camera, of the payment terminal, and controlling the near-field device to be started; establishing a near-field connection with the payment terminal according to the scanning information, and sending a second random code nearfield to the payment terminal to obtain a first authentication response after it is judged that the unique payment terminal establishes the near-field connection; obtaining an input amount, performingdigital signature on the input amount and the first authentication response to obtain a second authentication response, encrypting the input amount, and sending the encrypted input amount to a payment terminal for digital signature to obtain a third authentication response; and enabling the acceptance terminal to send the second authentication response and the third authentication response to theserver for verification.

Description

technical field [0001] The invention relates to the field of wireless technology, in particular to a mobile payment method, a mobile payment device, computer equipment and a computer-readable storage medium. Background technique [0002] With the rapid development of mobile LTE (Long Term Evolution, long-term evolution) and the widespread popularization of broadband Internet, mobile payment has long been widely used. The existing mobile payment methods are divided into two categories: near-field payment and remote payment, and the implementation methods are further divided into Software implementation and hardware implementation. The software implementation relies on the mobile phone’s own memory and application software. This type of near-field payment realizes the account transfer to the bound bank card through scanning codes between users, and its remote payment also relies entirely on software. . The hardware implementation is based on additional independent hardware (s...

AI Technical Summary

Problems solved by technology

In order to ensure the security of mobile payment, various chip manufacturers, mobile phone manufacturers and operators have launched payment systems based on hardware "secure units" (such as NFC, SIM-SWP (secure chip)), but the disadvantage is that users need to replace their mobile phones , and the number of POS with NFC function is seriously insufficient. At the same time, this method has no solution for remote payment and fixed broadband PC (personal computer) users

Images