Detailed Description
Reference will now be made in detail to the exemplary embodiments, examples of which are illustrated in the accompanying drawings. When the following description refers to the accompanying drawings, like numbers in different drawings represent the same or similar elements unless otherwise indicated. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with the present specification. Rather, they are merely examples of devices consistent with certain aspects of the present description, as detailed in the appended claims.
The terminology used in the present disclosure is for the purpose of describing particular embodiments only and is not intended to be limiting of the disclosure. Unless defined otherwise, technical or scientific terms used herein shall have the ordinary meaning as understood by one of ordinary skill in the art to which this invention belongs. The use of "first," "second," and similar terms in the description and claims does not indicate any order, quantity, or importance, but rather is used to distinguish one element from another. Also, the use of the terms "a" or "an" and the like do not denote a limitation of quantity, but rather denote the presence of at least one. "plurality" or "a number" means at least two. The word "comprising" or "comprises", and the like, means that the element or item listed as preceding "comprising" or "includes" covers the element or item listed as following "comprising" or "includes" and its equivalents, and does not exclude other elements or items. The terms "connected" or "coupled" and the like are not restricted to physical or mechanical connections, but may include electrical connections, whether direct or indirect. As used in this disclosure and the appended claims, the singular forms "a", "an", and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise. It should also be understood that the term "and/or" as used herein refers to and encompasses any and all possible combinations of one or more of the associated listed items.
The intelligent payment card of this description embodiment includes image acquisition unit, control processing unit, input unit and communication unit. The image acquisition unit is used for acquiring a collection code of a collection party. The control processing unit is used for decoding the collection code, obtaining the collection account identification of the collection party and obtaining the payment account identification bound by the intelligent payment card. The input unit is used for acquiring the payment amount input by the user. The communication unit is used for sending the collection account identification, the payment account identification and the payment amount to the payment server so that the payment server can carry out payment processing.
The intelligent payment card comprises an image acquisition unit, a control processing unit, an input unit, a communication unit, a code scanning payment server and a mobile phone, wherein the image acquisition unit of the intelligent payment card can acquire a payee code of a payee, the control processing unit can acquire a payee account identifier and a payment account identifier, the input unit can acquire payment amount and sends the payment amount to the payment server through the communication unit to realize code scanning payment.
The payment method for the intelligent payment card in the embodiment of the specification comprises the following steps: collecting a cash collection code of a payee; decoding the collection code to obtain a collection account identifier of a collector; acquiring a payment account identifier bound by the intelligent payment card; acquiring a payment amount input by a user; and sending the receiving account identification, the payment account identification and the payment amount to a payment server so as to enable the payment server to carry out payment processing. In some embodiments, the payment method is convenient for old people, students and other people who are inconvenient to carry the mobile phone to pay daily, and solves the payment problem of users of the intelligent payment card under the condition that no code scanning device is arranged on a merchant and other payees.
fig. 1 is a block diagram illustrating the modules of one embodiment of a smart payment card 100. The smart payment card 100 includes an image capture unit 101, a control processing unit 102, an input unit 103, and a communication unit 104. The image acquisition unit 101 is used for acquiring a payee code of a payee. The payee may be a merchant or an individual. In some embodiments, the checkout code may include, but is not limited to, any one of a two-dimensional code, a bar code, and a graphic code. The graphical code may be similar to applet code. The collection code comprises a collection account identifier, and the collection account identifier corresponds to a unique collection account. The payment code may be generated based on the payment account identification code. In some embodiments, the checkout code may be a static code, with the same payee account having the checkout code remaining unchanged. The payee may print the payee code or display it via the payee's mobile terminal.
The control processing unit 102 is configured to decode the receiving code to obtain a receiving account identifier of the receiving party. In some embodiments, image capture unit 101 may capture an image including a collection code, and control processing unit 102 may identify the collection code from the image and resolve a code value, which is a collection account identifier.
The control processing unit 102 includes at least one control chip. In some embodiments, the control processing unit 102 may include a main control chip and a decoding module for decoding the cash register code independent of the main control chip. In other embodiments, the master control chip decodes the checkout code.
The control processing unit 102 is configured to obtain the payment account identifier bound to the smart payment card 100. In some embodiments, the control processing unit 102 is configured to obtain, from an associated terminal (e.g., a mobile terminal such as a mobile phone) in communication with the smart payment card 100, a payment account identifier of a payment account logged on the associated terminal to bind the payment account. The account of the smart payment card 100 is bound to a payment account, which may be logged in on a different associated terminal. The payment transaction of the smart payment card 100 directly affects the change of the amount in the payment account bound on the associated terminal. The smart payment card 100 communicates with the associated terminal to implement the binding. The binding of the payment account is completed before the collection of the payee's passcode. After the binding is completed, when the smart payment card 100 does not communicate with the associated terminal, the payment function can be realized, and the smart payment card 100 can be used independently.
the smart payment card 100 may include a storage unit 106 that may store the payment account identification to which the smart payment card 100 is bound. The control processing unit 102 may read the payment account identification bound by the smart payment card 100 from the storage unit 106. When the smart payment card 100 is used independently, the control processing unit 102 may read the payment account id from the storage unit 106.
The input unit 103 is used to acquire a payment amount input by the user. The user may input a payment amount that needs to be paid to the payee through the input unit 103. The input unit 103 may supply the obtained payment amount to the control processing unit 102.
the communication unit 103 is configured to send the collection account identifier, the payment account identifier, and the payment amount to the payment server 200, so that the payment server 200 performs payment processing. The control processing unit 102 may output the collection account identifier, the payment account identifier, and the payment amount to the communication unit 103, and send the collection account identifier, the payment account identifier, and the payment amount to the payment server 200 through the communication unit 103, to request the payment server 200 to transfer the payment amount from the payment account bound to the smart payment card 100 to the collection account corresponding to the collection account identifier.
in some embodiments, the communication unit 103 includes, but is not limited to, at least one of a mobile network (e.g., a 2G, 3G, 4G, and/or 5G mobile network), NB-IoT (Narrow Band Internet of Things), Wi-Fi, and Bluetooth. In one embodiment, the smart payment card 100 may communicate with an associated terminal through the communication unit 103, implement a bound account, and the like. In one embodiment, the smart payment card 100 may communicate with the associated terminal via bluetooth. In other embodiments, the smart payment card 100 may communicate with the associated terminal through other communication means. In some embodiments, the smart payment card 100 may communicate with the payment server 200 through any of a mobile network, NB-IoT, and Wi-Fi.
The image acquisition unit 101 of the smart payment card 100 according to the embodiment of the present disclosure may acquire a receiving code of a receiving party, the control processing unit 102 may acquire a receiving account identifier and a payment account identifier, the input unit 103 may acquire a payment amount, and the payment amount is sent to the payment server 200 through the communication unit 104 to realize code scanning payment, so as to facilitate daily payment for the elderly, students, and other people who do not conveniently carry a mobile phone, and solve the payment problem of a user of the smart payment card 100 in a situation where the receiving party such as a merchant or an individual does not have a code scanning receiving device (e.g., a code scanning receiving device of a merchant's receiving system).
In some embodiments, the smart payment card 100 includes a display screen 105 coupled to the control processing unit 102. The control processing unit 102 is configured to obtain payee information and control the display screen 105 to display payee information. Before the receiving account identifier, the payment account identifier, and the payment amount are transmitted to the payment server 200, the receiver information may be acquired and displayed. After receiving the operation instruction of confirming payment by the user, the collection account identifier, the payment account identifier and the payment amount may be sent to the payment server 200. In some embodiments, payee information may be obtained and displayed prior to obtaining the payment amount entered by the user. In other embodiments, the payee information may be acquired and displayed after the payment amount input by the user is acquired before the collection account identifier, the payment account identifier and the payment amount are transmitted to the payment server 200. The display screen 105 displays payee information for the user to confirm, so that the user can confirm payment after confirming that the payee information is correct, and thus, the accuracy and safety of the transaction can be ensured.
The control processing unit 102 may report the collection account identifier to the payment server 200 through the communication unit 104, and obtain payee information corresponding to the collection account identifier from the payment server 200. The payee information may include a payee name or name (e.g., merchant name). In some embodiments, payee information may also include a payee address and/or an identification such as an avatar, trademark, etc.
In some embodiments, the control processing unit 102 is configured to obtain payment methods, which include a code-scanning payment method and a scanned payment method. In some embodiments, the input unit 103 is configured to receive a payment method selection operation input by a user, and the control processing unit 102 determines a payment method in response to the payment method selection operation.
If the payment method is a code scanning payment method, the control processing unit 102 is configured to control the image capturing unit 101 to capture a collection code. The collected payment code is used to complete the code scanning payment according to the method described above.
If the payment mode is a scanned payment mode, the control processing unit 102 is configured to obtain a payment code of the smart payment card 100, and control the display screen 105 to display the payment code. The control processing unit 102 may generate the payment code according to the payment account information code. In some embodiments, the payment code is a dynamic code, which may vary. For example, each time a swept payment method is used, a new payment code is generated; and/or at intervals, new payment codes are generated, thereby improving transaction security.
The payment code displayed by the intelligent payment card 100 can be scanned by a code scanning and collecting device of the merchant, the code scanning and collecting device identifies the payment code, decodes the payment code, obtains payment account information, and sends the payment account information to the payment server 200, and the payment is deducted under the condition that the fund of the payment account of the intelligent payment card 100 is sufficient. In some embodiments, the user may not need to make any further confirmation.
The smart payment card 100 can realize code scanning payment and scanned payment, can be applied to more scenes, can be suitable for the condition that a payee has a code scanning collection device and does not have the code scanning collection device, and is more convenient to pay.
In some embodiments, the control processing unit 102 may include a main control chip and an encoding module for generating a payment code independent of the main control chip. In other embodiments, the main control chip encodes a payment code.
In some embodiments, when the smart payment card 100 collects money, the control processing unit 102 may generate a collection code of the smart payment card 100 according to the account information of the smart payment card 100, and may display the collection code through the display screen 105. Other devices, such as a mobile phone, a tablet computer, etc., may pay for the account bound to the smart payment card 100 by scanning the debit code of the smart payment card 100.
In some embodiments, the smart payment card 100 includes a battery 107 to power the smart payment card 100. In one embodiment, battery 107 may be a disposable battery or a rechargeable battery. In one embodiment, battery 107 may comprise a lithium battery. In one embodiment, the battery 107 comprises a button battery, which makes the smart payment card 100 thinner and less bulky. The intelligent payment card 100 has few electric components and low power consumption, and the button cell can meet the long-time standby requirement of the intelligent payment card 100. The control processing unit 102 may include a microprocessor, such as a single chip, and may be a chip with lower power consumption than the control chip of the mobile phone. The battery 107 may supply power to the control processing unit 102. The power consumption of the control processing unit 102 is low, the battery 107 can supply power for a long time, and even a button battery can keep standby for a long time.
In some embodiments, the smart payment card 100 may implement health management, etc., such as monitoring athletic steps, pushing health knowledge, etc., which may be displayed via the display screen 105. The smart payment card 100 may be provided with a separate health management chip or be implemented by the control processing unit 102.
Fig. 2 shows a schematic front view of the smart payment card 100. In some embodiments, the input unit 103 includes a keyboard, which includes a physical keyboard and/or a virtual keyboard, facilitating user operation. In some embodiments, the keyboard includes keys for 0-9 digits, decimal points, backspace, and confirm. In one embodiment, the keyboard is separate from the display screen 105 and can be disposed below the display screen 105 for the convenience of the user. For example, in the illustrated embodiment, the keyboard is a physical keyboard disposed below the display screen 105. The physical keyboard can be convenient for the old and other users to use. In another embodiment, the keyboard is a virtual keyboard that may be integral with the display screen 105, and the display screen 105 may be made sufficiently large. The display screen 105 is a touch display screen, and a virtual keyboard is obtained by touching the display screen. The virtual keyboard may disappear when not in use and be generated when in use.
the display screen 105 is sized so that the display screen 105 can completely display a two-dimensional code, a barcode, or the like payment code. In some embodiments, the display screen 105 includes an ink screen, which protects eyesight, has low power consumption, and can make the standby time of the smart payment card 100 long, and can supply power to the ink screen for a long time even if a button battery is used.
Fig. 3 is a back schematic view of the smart payment card 100 shown in fig. 2. In some embodiments, the image capture unit 101 includes at least one camera 110 for capturing an image including a checkout code. The control processing unit 102 may receive an image captured by the camera 110 and control the display screen 105 to display the image. The display screen 105 can smoothly and clearly show the image within the viewing range of the camera 110.
In some embodiments, the smart payment card 100 is in the shape of a card. In other embodiments, the smart payment card 100 may be other shapes, such as a shape similar to a cell phone. In some embodiments, the smart payment card 100 may not include telephone communication functionality.
Figure 4 is a flow diagram illustrating one embodiment of a payment method 300 for a smart payment card. The payment method 300 may be used with the smart payment card 100 described above. The payment method 300 comprises steps 301-305.
In step 301, a collection code of a payee is collected.
In some embodiments, the checkout code may include, but is not limited to, any one of a two-dimensional code, a bar code, and a graphic code. The collection code includes a collection account identifier. The collection code is generated according to the collection account identification code.
The payee's receipt code may be collected through the image collecting unit 101 of the smart payment card 100. The collection code may be scanned by the camera 110.
In step 302, the receive code is decoded to obtain the receive account identifier of the receiver.
The collection code is generated according to the collection account identification code, and the collection account identification of the payee can be obtained by decoding the collection code. The payment receipt code may be decoded by the control processing unit 102 of the smart payment card 100 to obtain the payment receipt account identification of the payee.
In step 303, the payment account identifier bound to the smart payment card is obtained.
In some embodiments, the payment account identification of the payment account logged on the associated terminal may be obtained from the associated terminal in communication with the smart payment card 100 to bind the payment account. In some embodiments, before the step 301 of collecting the payee's receipt code, the payment account identifier of the payment account logged on the associated terminal may be acquired from the associated terminal in communication with the smart payment card 100 to bind the payment account. After binding, the payment account identification may be stored in the storage unit 106 of the smart payment card 100. When the smart payment card 100 is used for payment, the control processing unit 102 may read the payment account identifier bound to the smart payment card 100 from the storage unit 106. The payment account id bound by the smart payment card 100 is thus obtained.
in step 304, the payment amount entered by the user is obtained.
The payment amount input by the user can be acquired through the input unit 103. The user may input a payment amount that needs to be paid to the payee through the input unit 103. The input unit 103 may supply the obtained payment amount to the control processing unit 102.
in step 305, the receiving account identifier, the payment account identifier and the payment amount are sent to the payment server, so that the payment server performs payment processing.
The collection account identifier, the payment account identifier, and the payment amount may be transmitted to the payment server through the communication unit 103. The control processing unit 102 may output the collection account identifier, the payment account identifier, and the payment amount to the communication unit 103, and send the collection account identifier, the payment account identifier, and the payment amount to the payment server 200 through the communication unit 103, to request the payment server 200 to transfer the payment amount from the payment account bound to the smart payment card 100 to the collection account corresponding to the collection account identifier.
In some embodiments, payee information is obtained and displayed, which may be confirmed by a user of the smart payment card. The payee information may be obtained and displayed prior to the step 305 of sending the collection account identification, the payment account identification, and the payment amount to the payment server. Step 305 may be performed after receiving an operation instruction for confirming payment by the user. In some embodiments, payee information may be obtained and displayed prior to the step 304 of obtaining the payment amount entered by the user. In other embodiments, payee information may be obtained and displayed before step 305 and after step 304.
The payment account identifier can be reported to the payment server, and the payee information corresponding to the payment account identifier is obtained from the payment server. Payee information may be displayed via display screen 105.
Figure 5 is a flow diagram illustrating one embodiment of a payment method 400 for a smart payment card. The payment method 400 may be used with the smart payment card 100 described above. The payment method 400 includes steps 401-409.
In step 401, a payment method is obtained, wherein the payment method includes a code scanning payment method and a scanned payment method.
The control processing unit 102 acquires the payment means. In some embodiments, the input unit 103 is configured to receive a payment method selection operation input by a user, and the control processing unit 102 determines a payment method in response to the payment method selection operation.
If the payment mode is a code scanning payment mode, collecting a collection code. And if the payment mode is a scanned payment mode, acquiring the payment code of the intelligent payment card and displaying the payment code.
Specifically, in step 402, it is determined whether the payment method is a code-scanning payment method. If yes, executing steps 403-407 to realize code scanning payment. In step 403, a payee code of the payee is collected, similar to step 301, which is not described herein again. In step 404, the receiving code is decoded to obtain the receiving account id of the receiving party, which is similar to step 302 and will not be described herein again. In step 405, the identifier of the payment account bound by the smart payment card is obtained, similar to step 303, which is not described herein again. In step 406, the payment amount input by the user is obtained, similar to step 304, which is not described herein again. In step 407, the receiving account identifier, the payment account identifier and the payment amount are sent to the payment server, so that the payment server performs payment processing, which is similar to step 305 and is not described herein again.
If the payment method is not a code scanning payment method, steps 408 and 409 are performed. In step 408, the payment code of the smart payment card is obtained. The payment code may be encoded based on the payment account information. In step 409, the payment code is displayed. The control processing unit 102 may control the display 106 to display the payment code for the code scanning and collecting device to scan and collect the code. And the code scanning collection equipment identifies the payment code, decodes the payment code, obtains payment account information, sends the payment account information to the payment server and requests the payment server to complete payment processing.
The actions of the payment methods 300, 400 are illustrated in the form of modules, and the sequencing of the modules and the division of the actions within the modules shown in fig. 4 and 5 are not limited to the illustrated embodiments. For example, the modules may be performed in a different order; actions in one module may be combined with actions in another module or split into multiple modules. In some embodiments, there may be other steps before, after, or in between the steps of the payment method 300, 400.
For the method embodiments, since they substantially correspond to the apparatus embodiments, reference may be made to the apparatus embodiments for relevant portions of the description. The method embodiment and the device embodiment are complementary.
The above description is only exemplary of the present disclosure and should not be taken as limiting the disclosure, as any modification, equivalent replacement, or improvement made within the spirit and principle of the present disclosure should be included in the scope of the present disclosure.