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1. (WO2018166359) MOBILE PAYMENT SUBLICENSING METHOD AND PAYMENT SYSTEM IMPLEMENTED BY USING SAME

Pub. No.:    WO/2018/166359    International Application No.:    PCT/CN2018/077845
Publication Date: Fri Sep 21 01:59:59 CEST 2018 International Filing Date: Sat Mar 03 00:59:59 CET 2018
IPC: G06Q 20/38
Applicants: CHINA UNIONPAY CO., LTD.
中国银联股份有限公司
Inventors: SUN, Quan
孙权
Title: MOBILE PAYMENT SUBLICENSING METHOD AND PAYMENT SYSTEM IMPLEMENTED BY USING SAME
Abstract:
The present invention relates to a mobile payment licensing method and a system thereof. The method comprises the following steps: a main user terminal is bound with a payment account; the main user terminal and a slave user terminal respectively log into a server, and the main user terminal sends a sublicensing request to the server; the server verifies the sublicensing request and issues a Token and a transaction secret key to the slave user terminal after the sublicensing request passes the verification; and the slave user terminal carries out payment according to the Token and the transaction secret key. According to the present invention, mobile payment sublicensing between family members and friends may be achieved on the basis of trust, and using the Token and the transaction secret key may ensure security of the transaction. Additionally, when a user is paying, the user does not need to input a password, thus making payment quick and convenient and providing a good user experience. Furthermore, a user end mobile phone may achieve the payment transaction without needing to connect to the Internet.