CN103793811B - Online settlement method and device - Google Patents
Online settlement method and device Download PDFInfo
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- CN103793811B CN103793811B CN201410049950.3A CN201410049950A CN103793811B CN 103793811 B CN103793811 B CN 103793811B CN 201410049950 A CN201410049950 A CN 201410049950A CN 103793811 B CN103793811 B CN 103793811B
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- bill
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- 238000000034 method Methods 0.000 title claims abstract description 34
- 238000010586 diagram Methods 0.000 description 1
- 238000007726 management method Methods 0.000 description 1
Classifications
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
- G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
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- Engineering & Computer Science (AREA)
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Computer Networks & Wireless Communication (AREA)
- Computer Security & Cryptography (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention discloses a kind of online settlement methods, in the mark image of first network terminal input beneficiary；The first network terminal searches for beneficiary corresponding with the mark image according to the mark image on network server, and obtains bill from the beneficiary；The corresponding account of first network terminal operation, is settled accounts according to the bill searched by network.The invention also discloses devices used by above-mentioned online settlement method.The present invention by adopting the above technical scheme, can conveniently complete settlement of transactions, and user shoots mark image every time, also make what businessman can be convenient to publicize to self identification.
Description
Technical field
The present invention relates to a kind of settlement method, especially a kind of settlement method using network implementations.The invention further relates to
A kind of electronic device, especially a kind of checkout apparatus using network implementations.
Background technique
Currently, businessman carries out some interest concessions to customer in order to keep customer here, through the form frequently with some member cards.Than
Such as, customer handles a member card in businessman and prestores certain amount of money, so that it may in the preferential consumption of the businessman.But due to
Such businessman is more and more, and customer just has more and more member cards, along with more popular on the market at present
Consumption card carries and uses all very inconvenient for customer.With the prosperity of network trading, online payment and clearing are increasingly
As the common means of exchange of people, and due to its convenience, online payment and the application settled accounts are also gradually to entity businessman
Sprawling.
Summary of the invention
Technical problem to be solved by the invention is to provide a kind of online settlement method and online checkout apparatus, can
Efficient and convenient accurate completion payment or clearing, and have the function of advertisement.
In order to solve the above technical problems, the technical solution of the online settlement method of the present invention is,
The following steps are included:
In the mark image of first network terminal input beneficiary；
The first network terminal is searched for corresponding with the mark image according to the mark image on network server
Beneficiary；
The first network terminal obtains bill by network from the beneficiary searched；
The corresponding account of first network terminal operation, is settled accounts according to the bill searched by network.
The invention discloses online checkout apparatus used by a kind of above-mentioned online settlement method, and technical solution is base
In the network terminal comprising computer system, comprising:
Input part is identified, the mark image of beneficiary is inputted；
Search parts searches for beneficiary corresponding with the mark image according to the mark image on network server；
Bill obtaining widget obtains bill by network from the beneficiary searched；
First settlement means operate corresponding account, are settled accounts according to the bill searched by network.
The invention also discloses another online settlement method, technical solution is, comprising the following steps:
The mark image of beneficiary is provided, which is also stored on network server, allows users in net
According to the mark picture search to the mark image on network server；
Bill information is inputted in second network terminal of the beneficiary and generates bill, and response first network terminal is asked
It asks, the bill is sent to the first network terminal；
Confirm whether the transaction of the bill information settles accounts completion.
The invention also discloses online checkout apparatus used by a kind of above-mentioned online settlement method, technical solution is,
Based on the network terminal comprising computer system, and correspond to a certain beneficiary, comprising:
Second input block inputs bill information and generates bill；
Bill sends component, when user according to the mark picture search of beneficiary to beneficiary, and to the online of beneficiary
After checkout apparatus sends request bill, the bill of generation is sent to user；
Second settlement means, confirm whether the transaction of the bill settles accounts completion.
The present invention discloses another online settlement method again, and technical solution is to be stored with beneficiary in server end
Mark image, and the following steps are included:
The mark image that first network terminal to server end uploads is received, and searches for gathering corresponding with the mark image
Side, returns to first network terminal；
The first network terminal obtains bill by network from the beneficiary searched；
The corresponding account of first network terminal operation, is settled accounts according to the bill searched by network.
The present invention discloses online checkout apparatus used by a kind of above-mentioned online settlement method again, and technical solution is,
Based on the network server comprising computer system, comprising:
Receiving part receives the mark image that first network terminal to server end uploads,
Search parts searches for beneficiary corresponding with the mark image that first network terminal uploads, returns to first network
Terminal obtains bill by network for the first network terminal from the beneficiary searched and completes to settle accounts.
The present invention by adopting the above technical scheme, can conveniently complete settlement of transactions, and user shoots mark every time
Know image, also makes what businessman can be convenient to publicize to self identification.
Detailed description of the invention
The present invention is described in further detail with reference to the accompanying drawings and examples:
Fig. 1 is the schematic diagram of the online checkout apparatus embodiment of the present invention.
Specific embodiment
The invention discloses a kind of online settlement methods, can be used by payer, comprising the following steps:
In the mark image of first network terminal input beneficiary；
The first network terminal is searched for corresponding with the mark image according to the mark image on network server
Beneficiary；
The first network terminal obtains bill by network from the beneficiary searched；
The corresponding account of first network terminal operation, is settled accounts according to the bill searched by network.
The meaning of the clearing includes direct payment, or the modes of doing business such as withhold from the advance payment of account.
The first network terminal inputs the mark image of beneficiary by the way of shooting.
The first network terminal is according to its own geographical location information, in certain being located at around the geographical location information
In beneficiary in one territorial scope, beneficiary corresponding with the mark image is searched for.
The bill that the first network terminal is got be it is multiple, after user therefrom selects wherein one or more bills,
The corresponding account of first network terminal operation, is settled accounts according to the bill that user chooses by network.
The first network terminal binding has specific account, account bound in the first network terminal operation, root
It is settled accounts according to the bill got by network.
The invention discloses online checkout apparatus used by a kind of above-mentioned online settlement method, it is based on including department of computer science
The network terminal of system, comprising:
Input part is identified, the mark image of beneficiary is inputted；
Search parts searches for beneficiary corresponding with the mark image according to the mark image on network server；
Bill obtaining widget obtains bill by network from the beneficiary searched；
First settlement means operate corresponding account, are settled accounts according to the bill searched by network.
The mark input part further includes shooting unit, and the mark image of beneficiary is inputted by the way of shooting.
It further include the first positioning element, described search component is filled according to first positioning element online payment obtained
The geographical location information set is searched for and is somebody's turn to do in the beneficiary in a certain territorial scope being located at around the geographical location information
Identify the corresponding beneficiary of image.
The present invention discloses a kind of online settlement method again, can be used by beneficiary, comprising the following steps:
The mark image of beneficiary is provided, which is also stored on network server, allows users in net
According to the mark picture search to the mark image on network server；
Bill information is inputted in second network terminal of the beneficiary and generates bill, and response first network terminal is asked
It asks, the bill is sent to the first network terminal；
Confirm whether the transaction of the bill information settles accounts completion.
Second network terminal uploads the geographical location information where it, when to meet user preparatory for the geographical location information
When the geographic range of setting, the mark figure that second network terminal beneficiary is searched on network server is allowed users to
Picture.
The bill that clearing are completed is deleted on second network terminal.
Alternatively, second network terminal only sends effective bill；The bill that clearing are completed is arranged to invalid.
The present invention discloses online checkout apparatus used by the above-mentioned online settlement method of one kind again, is based on including computer
The network terminal of system, comprising:
Second input block inputs bill information and generates bill；
Bill sends component, when user according to the mark picture search of beneficiary to beneficiary, and to the online of beneficiary
After checkout apparatus sends request bill, the bill of generation is sent to user；
Second settlement means, confirm whether the transaction of the bill settles accounts completion.
The online checkout apparatus further includes mark image providing section part, provides the mark image of beneficiary, the mark figure
As being also stored on network server.
Further include that geographical location information uploads component, the geographical location information where the online checkout apparatus uploaded,
When the geographical location information meets geographic range set by user, allow users to search the mark on network server
Know the beneficiary of image.
The online checkout apparatus further includes positioning element, obtains the geographical location letter where the online checkout apparatus
Breath uploads component by the geographical location information and uploads the geographical location information.
The present invention discloses a kind of online settlement method again, can be used by the server operation side of online payment and settlement,
The mark image of beneficiary is stored in server end, and the following steps are included:
The mark image that first network terminal to server end uploads is received, and searches for gathering corresponding with the mark image
Side, returns to first network terminal；
The first network terminal obtains bill by network from the beneficiary searched；
The corresponding account of first network terminal operation, is settled accounts according to the bill searched by network.
After the beneficiary is returned to first network terminal, the corresponding account of first network terminal operation is guided
Family is settled accounts according to the bill searched by network.
The first network terminal and second network terminal all upload respective geographical location information to the server end,
In the beneficiary in a certain territorial scope around the geographical location information for being located at the first network terminal, search and the mark
Know the corresponding beneficiary of image.
The present invention discloses online checkout apparatus used by the above-mentioned online settlement method of one kind again, is based on including computer
The network server of system, comprising:
Receiving part receives the mark image that first network terminal to server end uploads,
Search parts searches for beneficiary corresponding with the mark image that first network terminal uploads, returns to first network
Terminal obtains bill by network for the first network terminal from the beneficiary searched and completes to settle accounts.
Currently, many businessmans are proposed the member card to attract clients, prepaid card etc., it is desirable that and member is added in client, or
Person prepays certain expense in businessman, so that it may businessman enjoy privileges consumption etc. treatment.But for consumers, more next
More businessmans is made using such management style so that having more and more member cards, prepaid card etc. in consumer's hand
It is very inconvenient when in use to obtain consumer.Use through the invention, so that it may solve the problems, such as this.The present invention can be related to disappearing
The person of expense user, businessman and online settlement platform operator tripartite.The mark image of oneself is stored in the service of operator by businessman
In device, and consumer-user is supplied to when settlement of transactions.Consumer-user is in transaction, with smart phone, plate
The network terminals such as computer input the mark image of businessman, and current such network terminal is equipped with camera, consumer-user
The mark image of businessman can be obtained by using the mode of shooting.Later, which is passed through network by consumer-user
It is uploaded to the server of operator, according to the corresponding businessman of the mark picture search, businessman is then linked to and obtains consumption
The bill of this consumption of person.User operates the clearing that corresponding account completes transaction according to the bill got.The corresponding account
Family can be consumer in the account of third party, such as bank and other financial mechanism, be also possible to consumer in the pre-payment of businessman
The account settled accounts after account, or payment with consumption number of times.By operating these accounts, consumer completes to pay by network
Money, the operation such as withhold or record consumption number of times.
Above-described embodiment completes the clearing of transaction by using method provided by the present invention.Also, businessman is mentioned
The mark image of confession does not include the account information of transaction itself, therefore the mark image, businessman are not only as retrieval foundation
It needs changed according to different transaction.Businessman, which is set, by the mark image has distinctive mark or trade mark,
Can make consumer must all be indicated using businessman is obtained in each consumption or trade mark by the way of settle accounts, be conducive to pair
Businessman carries out advertising.
Since businessman is numerous, some chain businessmans may use same or similar mark image.In order to solve
This problem, the available geographical location information of the network terminal of user, searches only for the mark of the businessman near geographical location information
Image is known, to improve the accuracy of retrieval.In addition, some businessmans can make house calls, and such as express delivery etc., in clearing, businessman
The used network terminal can also obtain the geographical location information where it in real time, and be uploaded to server, and user is searching
Also this kind of businessman can be searched when rope in real time.
In clearing, it is possible to which the same businessman has multiple open bills.User can therefrom select oneself to consume
Bill settled accounts.
For the bill of businessman, if the bill was not settled accounts, businessman can be set the bill to effectively, so that with
Family can obtain the bill from businessman.When the bill was settled, businessman can be set the bill in vain, or by the account
Single to delete, such consumer-user would not obtain the bill settled accounts when search.
The foregoing is merely illustrative of the preferred embodiments of the present invention, the substantial technological content model being not intended to limit the invention
It encloses, substantial technological content of the invention is that broad sense is defined in the scope of the claims of application, any technology that other people complete
Entity or method also or a kind of equivalent change, will if identical with defined in the scope of the claims of application
It is considered as being covered by among the scope of the claims.
Claims (15)
1. a kind of online settlement method, which comprises the following steps:
In the mark image of first network terminal input beneficiary；
The first network terminal is in place on network server according to the mark image and the geographical location information of itself
Search beneficiary corresponding with the mark image in the beneficiary in a certain territorial scope around the geographical location information；
The first network terminal obtains bill by network from the beneficiary searched；
The corresponding account of first network terminal operation, is settled accounts according to the bill searched by network.
2. online settlement method according to claim 1, which is characterized in that the first network terminal is using the side shot
The mark image of formula input beneficiary.
3. online settlement method according to claim 1, which is characterized in that the bill that the first network terminal is got
To be multiple, after user therefrom selects wherein one or more bills, the corresponding account of first network terminal operation, according to
The bill that family is chosen is settled accounts by network.
4. online settlement method according to claim 1, which is characterized in that the first network terminal binding has specific
Account, account bound in the first network terminal operation, is settled accounts according to the bill got by network.
5. online checkout apparatus used by a kind of online settlement method as described in any one of claim 1-4, special
Sign is, based on the network terminal comprising computer system, comprising:
Input part is identified, the mark image of beneficiary is inputted；
First positioning element, for obtaining the geographical location information of online payment device；
Search parts, according to it is described mark image and online payment device geographical location information, on network server
Beneficiary corresponding with the mark image is searched in the beneficiary in a certain territorial scope around the geographical location information；
Bill obtaining widget obtains bill by network from the beneficiary searched；
First settlement means operate corresponding account, are settled accounts according to the bill searched by network.
6. online checkout apparatus according to claim 5, which is characterized in that the mark input part further includes shoot part
Part inputs the mark image of beneficiary by the way of shooting.
7. a kind of online settlement method, which comprises the following steps:
The mark image of beneficiary is provided, which is also stored on network server；Second network terminal uploads its institute
Geographical location information allowed users to when the geographical location information meets the preset geographic range of user
According to the mark picture search to the mark image of second network terminal beneficiary on network server；
Bill information is inputted in second network terminal of the beneficiary and generates bill, responds the request of first network terminal, it will
The bill is sent to the first network terminal；
Confirm whether the transaction of the bill information settles accounts completion.
8. online settlement method according to claim 7, which is characterized in that the bill for completing clearing is at the second network end
It is deleted on end.
9. online settlement method according to claim 7, which is characterized in that second network terminal is only sent effectively
Bill；The bill that clearing are completed is arranged to invalid.
10. online checkout apparatus used by a kind of online settlement method as described in any one of claim 7-9, special
Sign is, based on the network terminal comprising computer system, and corresponds to a certain beneficiary, comprising:
Second input block inputs bill information and generates bill；
Geographical location information uploads component, and the geographical location information where the online checkout apparatus is uploaded；
Bill send component, when user according to beneficiary mark image and the online checkout apparatus where geographical location
It when information meets geographic range set by user, allows users to search beneficiary on network server, and to gathering
After the online checkout apparatus of side sends request bill, the bill of generation is sent to user；
Second settlement means, confirm whether the transaction of the bill settles accounts completion.
11. online checkout apparatus according to claim 10, which is characterized in that further include mark image providing section part, mention
For the mark image of beneficiary, which is also stored on network server.
12. online checkout apparatus according to claim 11, which is characterized in that further include positioning element, obtain the net
Geographical location information where upper checkout apparatus uploads component by the geographical location information and uploads the geographical location information.
13. a kind of online settlement method, which is characterized in that be stored with the mark image of beneficiary in server end, and including with
Lower step:
Mark image and geographical location information that first network terminal to server end uploads are received, and is being located at described first
Receipts corresponding with the mark image are searched in the beneficiary in a certain territorial scope around the geographical location information of the network terminal
Money side returns to first network terminal；
The first network terminal obtains bill by network from the beneficiary searched；
The corresponding account of first network terminal operation, is settled accounts according to the bill searched by network.
14. online settlement method according to claim 13, which is characterized in that the beneficiary is being returned to the first net
After network terminal, the corresponding account of first network terminal operation is guided, is tied according to the bill searched by network
It calculates.
15. online checkout apparatus used by a kind of online settlement method as described in any one of claim 13-14,
It is characterized in that, based on the network server comprising computer system, comprising:
Receiving part receives mark image and geographical location information that first network terminal to server end uploads；
Search parts, the beneficiary in a certain territorial scope around the geographical location information for being located at the first network terminal
It is middle to search for beneficiary corresponding with the mark image that first network terminal uploads, first network terminal is returned to, for described first
The network terminal obtains bill from the beneficiary searched and completes to settle accounts by network.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410049950.3A CN103793811B (en) | 2014-02-13 | 2014-02-13 | Online settlement method and device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410049950.3A CN103793811B (en) | 2014-02-13 | 2014-02-13 | Online settlement method and device |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN103793811A CN103793811A (en) | 2014-05-14 |
| CN103793811B true CN103793811B (en) | 2019-03-26 |
Family
ID=50669449
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201410049950.3A Active CN103793811B (en) | 2014-02-13 | 2014-02-13 | Online settlement method and device |
Country Status (1)
| Country | Link |
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| CN (1) | CN103793811B (en) |
Families Citing this family (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106779649B (en) * | 2016-12-21 | 2021-05-04 | 数贸科技（北京）有限公司 | Transfer processing method and device |
| CN107358421A (en) * | 2017-02-23 | 2017-11-17 | 美味不用等（上海）信息科技股份有限公司 | Method of payment, payment mechanism, terminal device and server |
| CN107657445B (en) * | 2017-07-04 | 2021-12-14 | 深圳市谷熊网络科技有限公司 | Online payment method and online payment system |
| CN107464110B (en) * | 2017-07-10 | 2021-12-03 | 北京云知科技有限公司 | Image-based blockchain wallet address generation method, payment method and device and electronic equipment |
Citations (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102024041A (en) * | 2010-12-08 | 2011-04-20 | 王宝全 | Searching method and system used for electronic commerce |
| CN102938118A (en) * | 2012-10-23 | 2013-02-20 | 周卫 | Intelligent mobile payment method |
-
2014
- 2014-02-13 CN CN201410049950.3A patent/CN103793811B/en active Active
Patent Citations (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102024041A (en) * | 2010-12-08 | 2011-04-20 | 王宝全 | Searching method and system used for electronic commerce |
| CN102938118A (en) * | 2012-10-23 | 2013-02-20 | 周卫 | Intelligent mobile payment method |
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| Publication number | Publication date |
|---|---|
| CN103793811A (en) | 2014-05-14 |
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