CN107767130A - Pay system of selection and device - Google Patents
Pay system of selection and device Download PDFInfo
- Publication number
- CN107767130A CN107767130A CN201610709298.2A CN201610709298A CN107767130A CN 107767130 A CN107767130 A CN 107767130A CN 201610709298 A CN201610709298 A CN 201610709298A CN 107767130 A CN107767130 A CN 107767130A
- Authority
- CN
- China
- Prior art keywords
- credit card
- payment
- interest
- user
- information
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Classifications
-
- 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
- G06Q20/22—Payment schemes or models
- G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer
-
- 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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
Abstract
The embodiment of the present invention provides a kind of payment system of selection, and this method includes receiving the payment request of user；The most long credit card of interest-free phase is screened in an at least credit card as paying credit card.The embodiment of the present invention also provides a kind of payment selection device simultaneously.
Description
Technical field
Internet payment field of the present invention, more particularly to a kind of payment system of selection and device.
Background technology
More and more extensive with the Internet, applications, network payment is as a kind of emerging means of payment, just all the time
Affect the life of people.
At present, when carrying out network payment, user can use the credit card of default setting to be paid, and can also select
Other credits card are paid, but user's credit card selected when being paid differs and surely help user to realize cash flow
The maximization of utilization ratio.
The content of the invention
In view of this, the embodiment of the present invention it is expected to provide a kind of payment system of selection and device, existing to help user to realize
The maximization of gold stream utilization ratio.
What the technical scheme of the embodiment of the present invention was realized in：
One kind pays system of selection, including：
Receive the payment request of user；
The most long credit card of interest-free phase is screened in an at least credit card as paying credit card；Wherein, it is described
An at least credit card is that user selects to carry out the credit card of network payment.
Method as described above, the most long credit card of interest-free phase that screened in an at least credit card is as branch
Payment/credit card specifically includes：
The bill information of at least one credit card described in accessing；
The bill day of at least one credit card, date information described in obtaining；
The interest-free repayment period of at least one credit card described in calculating；
The most long credit card of interest-free phase is screened as paying credit card.
Method as described above, before the payment request of user is received, in addition to：
The terms of payment information that user is set is received, the terms of payment stick into for a most long credit of selection interest-free phase
Row is paid.
Method as described above, the bill information of at least one credit card specifically includes described in the access：
The system for being conducted interviews by the information of storage or being authorized by user conducts interviews.
Method as described above, the most long credit card of interest-free phase is screened in an at least credit card as disbursement letter
After card, methods described also includes：
Obtain the card number of the payment credit card, interest-free information；
The card number of the payment credit card, interest-free information are sent to the user；
Receive confirmation of the user to the payment credit card；
Receive the payment information of the user.
One kind pays selection device, including：
Receiving module, the payment for receiving user are asked；
Processing module, used for screening the most long credit card of interest-free phase in an at least credit card as disbursement letter
Card；Wherein, an at least credit card is that user selects to carry out the credit card of network payment.
Device as described above, the processing module include：
Access unit, for accessing the bill information of at least one credit card；
Acquiring unit, for obtaining bill day, the date information of at least one credit card；
Computing unit, for calculating the interest-free repayment period of at least one credit card and screening most long credit of interest-free phase
Card is as payment credit card.
Screening unit, for screening the most long credit card of interest-free phase as paying credit card.
Device as described above, the receiving module, it is additionally operable to receive the terms of payment information that user is set, the payment
Condition is paid for a most long credit card of selection interest-free phase.
Device as described above, the access unit are specifically used for：
The system for being conducted interviews by the information of storage or being authorized by user conducts interviews.
Device as described above, described device also include：
Acquisition module, for the card number for obtaining the payment credit card, interest-free information；
Sending module, for the card number of the payment credit card, interest-free information to be sent into the user；
Receiving module, it is additionally operable to receive confirmation of the user to the payment credit card；Receive the user's
Payment information.
Payment system of selection provided in an embodiment of the present invention and device, asked by the payment for receiving user；At least one
The most long credit card of interest-free phase is screened in credit card as paying credit card；So as to help user to realize, cash flow utilizes
The maximization of efficiency.
Brief description of the drawings
Fig. 1 is the flow chart that the present invention pays system of selection embodiment one；
Fig. 2 is the flow chart that the present invention pays system of selection embodiment two；
Fig. 3 is the structural representation that the present invention pays selection device embodiment one；
Fig. 4 is that the present invention pays the schematic diagram of selection device in actual applications；
Fig. 5 is the structural representation that the present invention pays selection device embodiment two.
Embodiment
Fig. 1 is the flow chart that the present invention pays system of selection embodiment one.As shown in figure 1, the method that the present embodiment provides
Including：
Step 10：Receive the payment request of user.
Step 11：The most long credit card of interest-free phase is screened in an at least credit card as paying credit card.Its
In, an at least credit card is that user selects to carry out the credit card of network payment.
Specifically, it is assumed that the creditable card 1 of user, credit card 2, credit card 3, user wish only to use credit card 1 and credit
Card 2 carries out network payments, then credit card 1 and credit card 2 are exactly the credit card of user's selection progress network payment.
It should be noted that the interest-free phase refers to that user is buffered using the refund after POS consumption without interest payment
Phase.For example if being repayment period in 25 days of regulation next month in terms of bank, consumed this month 1, then the interest-free phase is 56
My god；On this month 2, consumed, and repayment period is 55 days.
The payment system of selection that the present embodiment provides, asked by the payment for receiving user；In an at least credit card
The most long credit card of interest-free phase is screened as paying credit card；So as to help user to realize the maximum of cash flow utilization ratio
Change.
Fig. 2 is the flow chart that the present invention pays system of selection embodiment two.As shown in Fig. 2 the method that the present embodiment provides
Including：
Step 202：Receive the payment request of user.
Step 203：Access the bill information of at least one credit card.
Specifically, the bill information of at least one credit card can be conducted interviews by the information of storage, if stored
Information in access less than certain credit card bill information, can by user authorize system conduct interviews.Wherein, it is typical
System be exactly subscriber mailbox, store the bill information of user, by user authorize can access user credit card account
Single information.
Step 204：Obtain bill day, the date information of at least one credit card.
Step 205：Calculate the interest-free repayment period of at least one credit card.
Step 206：The most long credit card of interest-free phase is screened as paying credit card.
Specifically, after having calculated, the interest-free phase of credit card can be carried out from long to short or from long sequence is short to, selected
The most long credit card of interest-free phase is selected as paying credit card.
Further, before step 202, in addition to：
Step 201：The terms of payment information that user is set is received, wherein, the terms of payment are selection interest-free phase most long one
Credit card is opened to be paid.
Further, after step 206, in addition to：
Step 207：Obtain the card number for paying credit card, interest-free information.
Step 208：The card number of credit card will be paid, interest-free information is sent to user.
Step 209：Receive confirmation of the user to payment credit card.
Step 210：Receive the payment information of user.
Specifically, payment information is fingerprint or password etc..
The payment system of selection that the present embodiment provides, by obtaining bill day, the date information of at least one credit card,
The interest-free repayment period of credit card is calculated, finally screens the most long credit card of interest-free phase as paying credit card；So as to help
User realizes the maximization of cash flow utilization ratio in a straightforward manner.
Fig. 3 is the structural representation that the present invention pays selection device embodiment one.As shown in figure 3, what the present embodiment provided
Device includes：
Receiving module 30, the payment for receiving user are asked；
Processing module 31, for screening the most long credit card of interest-free phase in an at least credit card as disbursement letter
With card；Wherein, an at least credit card is that user selects to carry out the credit card of network payment.
The present embodiment provide payment selection device, available for perform above method embodiment one technical scheme, in fact
Existing principle is similar with technique effect, and here is omitted.
Fig. 4 is the schematic diagram of payment selection device of the invention in actual applications, and Fig. 5 pays selection device reality for the present invention
Apply the structural representation of example two.As shown in figure 5, the device that the present embodiment provides includes：
Receiving module 30, the payment for receiving user are asked；
Processing module 31, for screening the most long credit card of interest-free phase in an at least credit card as disbursement letter
With card；Wherein, an at least credit card is that user selects to carry out the credit card of network payment.
Specifically, processing module 31 includes：
Access unit 310, for accessing the bill information of at least one credit card；
Acquiring unit 311, for obtaining bill day, the date information of at least one credit card；
Computing unit 312, for calculating the interest-free repayment period of at least one credit card and screening most long credit of interest-free phase
Card is as payment credit card.
Screening unit 313, for screening the most long credit card of interest-free phase as paying credit card.
Further, receiving module 30, it is additionally operable to, receives the terms of payment information that user is set, the terms of payment is selection
The most long credit card of interest-free phase is paid；Receive confirmation of the user to payment credit card；Receive the payment of user
Information.
Further, access unit 310 is specifically used for, and is conducted interviews by the information of storage or is by what user authorized
System conducts interviews.
Further, paying selection device also includes：
Acquisition module 32, for obtaining the card number for paying credit card, interest-free information；
Sending module 33, for will pay the card number of credit card, interest-free information is sent to user.
The present embodiment provide payment selection device, available for perform above method embodiment two technical scheme, in fact
Existing principle is similar with technique effect, and here is omitted.
In actual applications, receiving module 30, processing module 31, access unit 310, acquiring unit 311, computing unit
312nd, screening unit 313, acquisition module 32 and sending module 33 can be by positioned at the central processing units paid in selection device
(Central Processing Unit, CPU), microprocessor (Micro Processor Unit, MPU), Digital Signal Processing
Device (Digital Signal Processor, DSP) or field programmable gate array (Field Programmable Gate
Array, FPGA) etc. realize.
It should be understood by those skilled in the art that, embodiments of the invention can be provided as method, system or computer program
Product.Therefore, the shape of the embodiment in terms of the present invention can use hardware embodiment, software implementation or combination software and hardware
Formula.Moreover, the present invention can use the computer for wherein including computer usable program code in one or more to use storage
The form for the computer program product that medium is implemented on (including but is not limited to magnetic disk storage and optical memory etc.).
The present invention is the flow with reference to method according to embodiments of the present invention, equipment (system) and computer program product
Figure and/or block diagram describe.It should be understood that can be by every first-class in computer program instructions implementation process figure and/or block diagram
Journey and/or the flow in square frame and flow chart and/or block diagram and/or the combination of square frame.These computer programs can be provided
The processors of all-purpose computer, special-purpose computer, Embedded Processor or other programmable data processing devices is instructed to produce
A raw machine so that produced by the instruction of computer or the computing device of other programmable data processing devices for real
The device for the function of being specified in present one flow of flow chart or one square frame of multiple flows and/or block diagram or multiple square frames.
These computer program instructions, which may be alternatively stored in, can guide computer or other programmable data processing devices with spy
Determine in the computer-readable memory that mode works so that the instruction being stored in the computer-readable memory, which produces, to be included referring to
Make the manufacture of device, the command device realize in one flow of flow chart or multiple flows and/or one square frame of block diagram or
The function of being specified in multiple square frames.
These computer program instructions can be also loaded into computer or other programmable data processing devices so that counted
Series of operation steps is performed on calculation machine or other programmable devices to produce computer implemented processing, so as in computer or
The instruction performed on other programmable devices is provided for realizing in one flow of flow chart or multiple flows and/or block diagram one
The step of function of being specified in individual square frame or multiple square frames.
More than, only presently preferred embodiments of the present invention is not intended to limit the scope of the present invention.
Claims (10)
1. one kind pays system of selection, it is characterised in that methods described includes：
Receive the payment request of user；
The most long credit card of interest-free phase is screened in an at least credit card as paying credit card；Wherein, it is described at least
One credit card is that user selects to carry out the credit card of network payment.
2. according to the method for claim 1, it is characterised in that described to screen the interest-free phase in an at least credit card most long
A credit card included as disbursement letter with fixture body：
The bill information of at least one credit card described in accessing；
The bill day of at least one credit card, date information described in obtaining；
The interest-free repayment period of at least one credit card described in calculating；
The most long credit card of interest-free phase is screened as paying credit card.
3. according to the method for claim 1, it is characterised in that before the payment request of user is received, methods described is also
Including：
The terms of payment information that user is set is received, the terms of payment are propped up for a most long credit card of selection interest-free phase
Pay.
4. according to the method for claim 2, it is characterised in that the bill information of at least one credit card described in the access
Specifically include：
The system for being conducted interviews by the information of storage or being authorized by user conducts interviews.
5. according to the method for claim 1, it is characterised in that screened in an at least credit card the interest-free phase it is most long one
After opening credit card as credit card is paid, methods described also includes：
Obtain the card number of the payment credit card, interest-free information；
The card number of the payment credit card, interest-free information are sent to the user；
Receive confirmation of the user to the payment credit card；
Receive the payment information of the user.
6. one kind pays selection device, it is characterised in that described device includes：
Receiving module, the payment for receiving user are asked；
Processing module, for screening the most long credit card of interest-free phase in an at least credit card as paying credit card；
Wherein, an at least credit card is that user selects to carry out the credit card of network payment.
7. device according to claim 6, it is characterised in that the processing module includes：
Access unit, for accessing the bill information of at least one credit card；
Acquiring unit, for obtaining bill day, the date information of at least one credit card；
Computing unit, make for calculating the interest-free repayment period of at least one credit card and screening most long credit card of interest-free phase
To pay credit card.
Screening unit, for screening the most long credit card of interest-free phase as paying credit card.
8. device according to claim 1, it is characterised in that
The receiving module, it is additionally operable to receive the terms of payment information that user is set, the terms of payment are to choose the interest-free phase most
A long credit card is paid.
9. device according to claim 2, it is characterised in that the access unit is specifically used for：
The system for being conducted interviews by the information of storage or being authorized by user conducts interviews.
10. device according to claim 1, it is characterised in that described device also includes：
Acquisition module, for the card number for obtaining the payment credit card, interest-free information；
Sending module, for the card number of the payment credit card, interest-free information to be sent into the user；
Receiving module, it is additionally operable to receive confirmation of the user to the payment credit card；Receive the payment of the user
Information.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610709298.2A CN107767130A (en) | 2016-08-23 | 2016-08-23 | Pay system of selection and device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610709298.2A CN107767130A (en) | 2016-08-23 | 2016-08-23 | Pay system of selection and device |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN107767130A true CN107767130A (en) | 2018-03-06 |
Family
ID=61263650
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201610709298.2A Pending CN107767130A (en) | 2016-08-23 | 2016-08-23 | Pay system of selection and device |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN107767130A (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109858959A (en) * | 2019-01-18 | 2019-06-07 | 深圳壹账通智能科技有限公司 | Credit card recommended method, device, computer equipment and storage medium |
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|---|---|---|---|---|
| CN1454364A (en) * | 2000-06-22 | 2003-11-05 | Jp莫根大通银行 | Method and system for processing Internet payments |
| CN1647087A (en) * | 2002-02-14 | 2005-07-27 | Z·佩森 | Apparatus and method of a distributed capital system |
| CN101840606A (en) * | 2010-05-17 | 2010-09-22 | 成都中联信通科技有限公司 | Credit card payment system and method based on mobile payment and bill active pushing |
| CN103875010A (en) * | 2011-07-27 | 2014-06-18 | 罗素·斯图尔特·古德温 | Intelligent payment system |
-
2016
- 2016-08-23 CN CN201610709298.2A patent/CN107767130A/en active Pending
Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1454364A (en) * | 2000-06-22 | 2003-11-05 | Jp莫根大通银行 | Method and system for processing Internet payments |
| CN1647087A (en) * | 2002-02-14 | 2005-07-27 | Z·佩森 | Apparatus and method of a distributed capital system |
| CN101840606A (en) * | 2010-05-17 | 2010-09-22 | 成都中联信通科技有限公司 | Credit card payment system and method based on mobile payment and bill active pushing |
| CN103875010A (en) * | 2011-07-27 | 2014-06-18 | 罗素·斯图尔特·古德温 | Intelligent payment system |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109858959A (en) * | 2019-01-18 | 2019-06-07 | 深圳壹账通智能科技有限公司 | Credit card recommended method, device, computer equipment and storage medium |
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