| 摘要 |
A mobile payment method to be implemented using an electronic device includes: receiving transaction information, establishing wireless short-range communication with a mobile device provided with a payment card, during the wireless short-range communication, transmitting the transaction information to the mobile device and receiving a payment command generated based on the transaction information from the mobile device, transmitting the payment command to a payment institution server, and receiving a payment result therefrom. The payment command enables the payment institution server to identify validity of the payment card and to process the payment. The payment result is generated after completing the payment. |
| 主权项 |
1. A mobile payment method to be implemented using an electronic device which is configured to interact with a mobile device that is provided with a payment card, the electronic device communicating with a payment institution server, the mobile payment method comprising the steps of:
receiving transaction information related to a transaction and to a payment for the transaction; establishing wireless short-range communication with the mobile device; during the wireless short-range communication, transmitting the transaction information to the mobile device through the wireless short-range communication; during the wireless short-range communication, receiving a payment command from the mobile device through the wireless short-range communication, the payment command being generated by the mobile device based on at least the transaction information; establishing a session with the payment institution server, the session providing a secure communication channel between the electronic device and the payment institution server; transmitting the payment command to the payment institution server under the session, the payment command enabling the payment institution server to identify validity of the payment card based on the payment command in response to receipt of the payment command and to process the payment according to the transaction information included in the payment command after identifying the payment card as valid; and receiving a payment result from the payment institution server under the session, the payment result being generated by the payment institution server after completing the payment; wherein the step of establishing a session includes the sub-steps of:
transmitting a session request to the payment institution server, the session request enabling the payment institution server to generate a session identification (ID) in response to receipt of the session request and to transmit the session ID to the electronic device;after receiving the session ID, generating a first authentication code based on the session ID and a first identification key pre-stored in the electronic device; andtransmitting the first authentication code to the payment institution server, the first authentication code enabling the payment institution server to
find a second identification key which is pre-stored in the payment institution server and which corresponds to the first identification key of the electronic device,generate a second authentication code based on the session ID generated in response to receipt of the session request and the second identification key thus found,determine whether the first authentication code received from the electronic device conforms with the second authentication code thus generated, andtransmit a session response to the electronic device so as to establish the session when it is determined that the first authentication code conforms with the second authentication code. |
