O2O SECURE PAYMENT METHOD AND SYSTEM, AND SECURE PAYMENT BACKGROUND

摘要

Disclosed is an O2O secure payment method. The payment method comprises the steps of: acquiring, by a mobile terminal, temporary payment account information which corresponds to a payment account generated by a payment background and bound with the mobile terminal; sending, by the mobile terminal, a payment request to the payment background, and sending the transaction amount and the temporary payment account information to the payment background; verifying, by the payment background, whether the received temporary payment account information is correct, retrieving the payment account corresponding to the temporary payment account information after the verification is passed, and sending the verification information to the mobile terminal; receiving, by the mobile terminal, an input account password, and sending the account password to the payment background; and verifying, by the payment background, whether the received account password is correct, and conducting payment after the verification is passed. Also disclosed are an O2O secure payment system and a secure payment background. In a payment process, the present invention uses the temporary payment account information to replace the payment account to conduct transmission, thereby improving the security of O2O payment.