METHOD FOR PROCESSING A PAYMENT

摘要

In a method for processing a payment, an electronic device receives transaction information related to a transaction and to a payment for the transaction, accesses a payment card via a portable payment device, cooperates with the payment card to generate a payment command to include at least the transaction information, establishes a session with a banking server, and transmits the payment command to the banking server under the session. The banking server identifies validity of the payment card based on the payment command, and processes the payment according to the transaction information afterward. The electronic device then receives a payment result generated by the banking server after completing the payment.

主权项

1. A method for processing a payment, to be implemented using an electronic device that is removably connected to a portable payment device and that communicates with a banking server, the portable payment device being a plug-and-play device and being provided with a payment card, said method comprising:
(a) receiving, by the electronic device, transaction information related to a transaction and to a payment for the transaction; (b) accessing, by the electronic device, the payment card via the portable payment device; (c) cooperating, by the electronic device, with the payment card to generate a payment command to include at least the transaction information; (d) establishing, by the electronic device, a session with the banking server, the session providing a secure communication channel between the electronic device and the banking server; (e) transmitting, by the electronic device, the payment command to the banking server under the session established in step (d), the banking server being configured 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 (f) receiving, by the electronic device, a payment result from the banking server under the session established in step (d), the payment result being generated by the banking server after completing the payment.