CN103020817A - 联名账户网络支付方法 - Google Patents

联名账户网络支付方法 Download PDF

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Publication number
CN103020817A
CN103020817A CN2012105496894A CN201210549689A CN103020817A CN 103020817 A CN103020817 A CN 103020817A CN 2012105496894 A CN2012105496894 A CN 2012105496894A CN 201210549689 A CN201210549689 A CN 201210549689A CN 103020817 A CN103020817 A CN 103020817A
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China
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payment
joint account
payment application
user
joint
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CN2012105496894A
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English (en)
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施爱龙
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Individual
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Individual
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Priority to CN2012105496894A priority Critical patent/CN103020817A/zh
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Abstract

本发明涉及一种联名账户的网络支付方法。在银行或支付平台设立的联名账户，联名账户内设两个以上用户，用户可分几个级别，每个用户有各自的用户名和密码。联名账户需要对外支付现金时，首先由一个用户提前发起支付申请，时间到期后，由同等级别以上的用户审核。全部审核通过后，支付申请才能生效。

Description

联名账户网络支付方法
技术领域
本发明涉及银行及支付平台联名账户的一种网络支付方法。
背景技术
随着经济的发展和互联网应用的普及，越来越多的人通过网络进行合作，共同集资做一件事情。如何方便又安全地管理共有的资金，是一个急需解决的问题。
现在有的银行虽然提供联名账户，但是联名账户资金支出时，必须所有联名人同时到场支取，不能通过网上银行远程支付，使用非常不便。
发明内容
本发明的目的在于提供一种更安全，快捷的联名账户的支付方法。首先在银行或支付平台（如支付宝，财付通等）设立多方共同拥有的联名账户，每个联名账户设两个以上用户。每个用户拥有各自的用户名和密码，可以通过网络登录到联名账户。用户可以分成若干个等级。
联名账户需要对外支付现金时，首先由一个用户提前发起支付申请，提前的时间长短可根据实际情况设定。
支付申请到期后，提交给同等级别以上用户审核。审核期内，除支付金额可以减小外，其它项不可以变更，支付金额变更后，须重新审核。
支付申请可以一次申请支付给一个以上目标。
所有同等级别以上用户审核通过后，支付申请才可以生效，否则支付申请撤销。

Claims (7)

1.一种实现联名账户网络支付的方法，其特征在于：一种在银行或支付平台（如支付宝，财付通等）上设立的多人共有的联名账户，联名账户设两个以上用户，每个用户有各自的用户名和密码可以登录联名账户。
2.根据权利要求1所述的联名账户，其特征在于用户可以分成若干个等级。
3.根据权利要求1所述的联名账户，其特征在于联名账户对外支付时，首先由一个用户提前发起支付申请。
4.根据权利要求3所述的支付申请，其特征在于支付申请提前的时间长短可以根据实际情况设定。
5.根据权利要求3所述的支付申请，其特征在于支付申请到期后，提交给同等级别以上的用户审核，在审核期内，除支付金额可以减小外，其它项不可以变更， 支付金额变更后，须重新审核。
6.根据权利要求 2 所述的支付申请，其特征在于可以一次申请支付给一个以上目标。
7.根据权利要求2所述的支付申请，其特征在于在所有同等级别以上用户审核通过后，支付申请才可以生效，否则支付申请撤销。
CN2012105496894A 2012-12-18 2012-12-18 联名账户网络支付方法 Pending CN103020817A (zh)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN2012105496894A CN103020817A (zh) 2012-12-18 2012-12-18 联名账户网络支付方法

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Application Number Priority Date Filing Date Title
CN2012105496894A CN103020817A (zh) 2012-12-18 2012-12-18 联名账户网络支付方法

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CN103020817A true CN103020817A (zh) 2013-04-03

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CN2012105496894A Pending CN103020817A (zh) 2012-12-18 2012-12-18 联名账户网络支付方法

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Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN105631676A (zh) * 2016-01-29 2016-06-01 宇龙计算机通信科技(深圳)有限公司 电子支付方法及电子支付装置
CN105933331A (zh) * 2016-06-13 2016-09-07 财付通支付科技有限公司 操作账户的方法和装置
CN106548344A (zh) * 2016-10-27 2017-03-29 邓宝华 一种加强在线交易安全性的方法
CN107038580A (zh) * 2016-11-16 2017-08-11 辽宁科技大学 一种银行交易系统

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2007125252A1 (fr) * 2006-04-26 2007-11-08 France Telecom Procede et systeme de gestion d'un paiement electronique
CN101159082A (zh) * 2007-11-19 2008-04-09 侯万春 实现个人电子支票卡的系统和方法
CN101706933A (zh) * 2009-12-01 2010-05-12 中国建设银行股份有限公司 一种实现联名账户业务操作的方法及后台系统

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2007125252A1 (fr) * 2006-04-26 2007-11-08 France Telecom Procede et systeme de gestion d'un paiement electronique
CN101159082A (zh) * 2007-11-19 2008-04-09 侯万春 实现个人电子支票卡的系统和方法
CN101706933A (zh) * 2009-12-01 2010-05-12 中国建设银行股份有限公司 一种实现联名账户业务操作的方法及后台系统

Cited By (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN105631676A (zh) * 2016-01-29 2016-06-01 宇龙计算机通信科技(深圳)有限公司 电子支付方法及电子支付装置
CN105933331A (zh) * 2016-06-13 2016-09-07 财付通支付科技有限公司 操作账户的方法和装置
CN105933331B (zh) * 2016-06-13 2020-07-17 财付通支付科技有限公司 操作账户的方法和装置
CN106548344A (zh) * 2016-10-27 2017-03-29 邓宝华 一种加强在线交易安全性的方法
CN107038580A (zh) * 2016-11-16 2017-08-11 辽宁科技大学 一种银行交易系统

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Application publication date: 20130403