Abstract: Methods and devices for conducting a payment transaction between a paying terminal and a selling terminal via a remote server. In some embodiments, the paying terminal scans an encrypted image, such as a two-dimensional code, displayed on the selling terminal. The paying terminal decrypts the encrypted image to obtain payment information and sends a payment request to the remote server for processing. Security verifications may be conducted by the paying terminal or the server, and the server may generate processing results approving or denying the payment request accordingly. When the payment amount is greater than a preset value, additional verification can be carried out using, e.g., biometric information. The paying terminal and/or the selling terminal then display the processing results and the remote server completes the payment transaction.

Abstract: Methods and devices for conducting a payment transaction between a paying terminal and a selling terminal via a remote server. In some embodiments, the paying terminal scans an encrypted image, such as a two-dimensional code, displayed on the selling terminal. The paying terminal decrypts the encrypted image to obtain payment information and sends a payment request to the remote server for processing. Security verifications may be conducted by the paying terminal or the server, and the server may generate processing results approving or denying the payment request accordingly. When the payment amount is greater than a preset value, additional verification can be carried out using, e.g., biometric information. The paying terminal and/or the selling terminal then display the processing results and the remote server completes the payment transaction.

Abstract: Methods and devices for information transmission and in particular for payment transfer from a paying terminal to a selling terminal. In some embodiments, the paying terminal scans an encrypted image, such as a two-dimensional code, displayed on the selling terminal. The paying terminal decrypts the encrypted image to obtain payment information and sends a payment request to a remote server for processing. Security verifications can be conducted by the paying terminal or the server, wherein the server may generate processing results approving or denying the payment request. When the payment amount is greater than a preset value, additional verification can be carried out using, e.g., biometric information. The paying terminal and/or the selling terminal then display the processing results and the remote server completes the payment transfer.

Abstract: A computer server receives a login request message sent by a remote terminal to access a user account. If the message includes a first login key, the server then generates a second login key and executes a user account login process after confirming that the second login key corresponds to the first login key. If the message includes no login key, the server generates a verification code and returns the verification code to the remote terminal. The remote terminal then prompts a user to return the verification code to the computer server in a predefined format. If the returned verification code corresponds to the server-generated verification code, the server then executes the user account login process. The server also generates a third login key and returns the third login key to the remote terminal. The remote terminal then stores a correspondence relationship between the username and the third login key.

Abstract: A method is provided for mobile payment. The method is performed at a social networking system and includes receiving, from a first client device, a request to establish a prepayment account at the social networking system. In response to the received request, the prepayment account is established. The method further includes receiving a payment request from the first client device and, in response to the payment request, generating a unique identifier corresponding to the payment request. The unique identifier is sent to the first client device. The method further includes receiving, from a respective merchant, a transaction request that includes information corresponding to the unique identifier, a transaction amount, and an identifier of a user account of the respective merchant. The method further includes initiating transfer of the transaction amount from the prepayment account to the user account of the respective merchant.

Abstract: Systems and methods are provided for identity verification. For example, a user terminal acquires graphical verification information that carries a graphical pattern for identity verification; the user terminal sends the graphical verification information to a server; the server verifies the graphical verification information; the server sends a verification result to the user terminal; and in response to the verification result indicating that the graphical verification information is successfully verified, determining, the user terminal verifies that the identity verification is passed.

Abstract: Methods, apparatus, and systems for information transmission are disclosed herein. The receiving terminal generates an RF signal including payment information corresponding to a payment amount to be paid. The payment terminal receives the RF signal from the receiving terminal, parses the RF signal to obtain the payment information, and sends the payment request to the bank server according to the payment information. The payment request can includes the payment account number and the verification information of the payment account number. The bank server processes the payment request and sends a process result after processing to the payment terminal and the receiving terminal. Since the payment information is obtained through RF signal, compared with obtaining the payment information through internet in current technology, the present disclosure improves the security of the payment process, as well as the smartness of the information transmission systems.

Abstract: The present application discloses methods, devices and systems for information processing, and in particular for financial transactions. In some embodiments, a check-out terminal acquires and decrypts an encrypted image displayed by or sent from a paying terminal associated with a user. The encrypted image encodes information such as account identifiers and a payment amount. Then, the check-out terminal sends a payment request to a server so that the server can respond with a message that prompts the user to provide verification information. In some embodiments, the prompting message is displayed by the check-out terminal and the verification information includes biometric information of the user. The verification information is transferred from the check-out terminal to the server to be used by the server to verify the payment request. If the verification is successful, the server generates processing results for the payment request and sends the results to the check-out terminal.

Abstract: A computer server receives a login request message sent by a remote terminal to access a user account. If the message includes a first login key, the server then generates a second login key and executes a user account login process after confirming that the second login key corresponds to the first login key. If the message includes no login key, the server generates a verification code and returns the verification code to the remote terminal. The remote terminal then prompts a user to return the verification code to the computer server in a predefined format. If the returned verification code corresponds to the server-generated verification code, the server then executes the user account login process. The server also generates a third login key and returns the third login key to the remote terminal. The remote terminal then stores a correspondence relationship between the username and the third login key.

Abstract: Methods and devices for information transmission and in particular for payment transfer from a paying terminal to a selling terminal. In some embodiments, the paying terminal scans an encrypted image, such as a two-dimensional code, displayed on the selling terminal. The paying terminal decrypts the encrypted image to obtain payment information and sends a payment request to a remote server for processing. Security verifications can be conducted by the paying terminal or the server, wherein the server may generate processing results approving or denying the payment request. When the payment amount is greater than a preset value, additional verification can be carried out using, e.g., biometric information. The paying terminal and/or the selling terminal then display the processing results and the remote server completes the payment transfer.

Abstract: An online payment interactive processing method and system are provided. The method includes: sending a payment request associated with a user account from a client terminal to a payment processing server; receiving a payment completion notification from the payment processing server, the payment completion notification including a unique notification identifier associated with the payment request; sending a payment verification request based on the unique notification identifier to the payment processing server; receiving a payment verification result from the payment processing server; and updating the user account based on information in the payment verification result. According to the present invention, a person with malicious intent who obtains a key associated with the client terminal is prevented from forging a payment completion notification because the person does not have the notification ID, which greatly enhances the security of online payment interactive processing.