| 摘要 |
A method for processing payment is disclosed. The method includes obtaining, by a point-of-sale (POS) device from a certification authority, a certificate data item that identifies the POS device for completing a purchase by a consumer, generating a payment request containing the certificate data item, broadcasting the payment request via a wireless signal within a pre-determined range of the POS device for receiving by a mobile device of the consumer, where the mobile device stores payment credential of the consumer, receiving, by the POS device, an encrypted payment credential from the mobile device, where the encrypted payment credential is generated by the mobile device encrypting the payment credential based on the certificate data item, and decrypting the encrypted payment credential based on the certificate data item to retrieve the payment credential for processing the payment. |
| 主权项 |
1. A method for processing payment, comprising:
submitting, by a point-of-sale (POS) device to a certification authority, a certificate request for a certificate data item that identifies the POS device for completing a purchase by a consumer, wherein the certificate request comprises a visual attribute of the POS device that is embedded in the certificate data item by the certification authority; obtaining, in response to the certificate request and by the POS device from the certification authority, the certificate data item; generating, by the POS device, a payment request for the payment to complete the purchase, wherein the payment request comprises the certificate data item; broadcasting, by the POS device without associating to any specific recipient, the payment request via a wireless signal within a pre-determined range of the POS device, wherein the payment request is received by a mobile device of the consumer via the wireless signal, wherein the mobile device stores payment credential of the consumer, and wherein the mobile device extracts the visual attribute from the payment request for displaying to the consumer; receiving, by the POS device in response to the broadcasting, an encrypted payment credential from the mobile device of the consumer, wherein the encrypted payment credential is generated by the mobile device encrypting the payment credential based on the certificate data item, wherein the consumer selects the POS device to submit the encrypted payment credential in response to viewing the visual attribute; decrypting the encrypted payment credential based on the certificate data item to retrieve the payment credential for processing the payment; and further broadcasting, contemporaneously with the POS device broadcasting the payment request, an unintended payment request by an adjacent POS device in proximity to the POS device, wherein the mobile device displays, to the consumer, the visual attribute to prevent the consumer from selecting the adjacent POS to submit the encrypted payment credential. |
