Credit payment method and apparatus based on mobile terminal embedded secure element
US11288655B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Jul 23, 2018 |
| Grant date | Mar 29, 2022 |
| Priority date | — |
| Expiry date | Jul 23, 2038 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q20/401
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
Technologies related to credit payment based on a mobile terminal embedded secure element are disclosed. In an implementation, a payment request is received from a mobile computing device associated with a user account. The payment information including a payment amount is generated based on the payment request. The payment information is then sent to the mobile computing device. A payment authorization encrypted by a private key is received based on asymmetric encryption from the mobile computing device. A public key corresponding to the private key is used to verify the payment authorization, and a transaction log is generated for collecting a payment according to the payment amount if the payment authorization is successfully verified.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.