DYNAMIC-PAYMENT SYSTEM AND METHOD BASED ON ASYNCHRONOUS COMMUNICATION TECHNOLOGY

摘要

Disclosed are a dynamic-payment system and a method thereof based on asynchronous communication technology. The system includes payment modules, cardholders' mobile terminals, a payment terminal, a payment system server, and one or more third party payment systems. Through the system and method, the account information of the cardholders who locate within a limited area surrounding a payment terminal is regular updated to the payment terminal, and pre-authorization for local payment is carried out, thereby realizing offline payment by asynchronous communication. Moreover, based on the relationships between payment modules and mobile terminals, a payment module integrates account information from multiple third party payment systems, so as to facilitate cardholders' choosing different accounts according to different payment situations, and enhance payment security and selectivity.