Payment method and device

Number of patents in Portfolio can not be more than 2000

United States of America Patent

PATENT NO 11250434
APP PUB NO 20190354983A1
SERIAL NO

16461683

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ATTORNEY / AGENT: (SPONSORED)

Importance

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Abstract

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A payment method and device are provided. The payment method includes: a server receives a passwordless payment request transmitted from a terminal, and receives a current neighboring apparatus identifier search-detected and reported by the terminal; the server performs, according to the current neighboring apparatus identifier, and a corresponding relationship of a preconfigured terminal and a neighboring apparatus identifier, risk evaluation on the terminal, to obtain an overall risk evaluation score; and the server determines, according to the overall risk evaluation score, a passwordless payment strategy corresponding to the passwordless payment request. The server performs the risk evaluation on the current surrounding environment of the terminal to obtain the overall risk evaluation score, and then determine, according to the overall risk evaluation score, security of the current surrounding environment of the terminal, and determine the corresponding passwordless payment strategy corresponding to the passwordless request.

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First Claim

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Patent Owner(s)

  • CHINA UNIONPAY CO., LTD.

International Classification(s)

  • [Classification Symbol]
  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
He, Shuo Shanghai, CN 37 174
Hua, Jinzhi Shanghai, CN 11 20
Wan, Sishuang Shanghai, CN 15 25
Yu, Weiqi Shanghai, CN 6 3
Zhang, Limin Shanghai, CN 61 120

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Maintenance Fees

Fee Large entity fee small entity fee micro entity fee due date
3.5 Year Payment $1600.00 $800.00 $400.00 Aug 15, 2025
7.5 Year Payment $3600.00 $1800.00 $900.00 Aug 15, 2029
11.5 Year Payment $7400.00 $3700.00 $1850.00 Aug 15, 2033
Fee Large entity fee small entity fee micro entity fee
Surcharge - 3.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge - 7.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge - 11.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge after expiration - Late payment is unavoidable $700.00 $350.00 $175.00
Surcharge after expiration - Late payment is unintentional $1,640.00 $820.00 $410.00