CN103793811A - On-line settlement method and device - Google Patents
On-line settlement method and device Download PDFInfo
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- CN103793811A CN103793811A CN201410049950.3A CN201410049950A CN103793811A CN 103793811 A CN103793811 A CN 103793811A CN 201410049950 A CN201410049950 A CN 201410049950A CN 103793811 A CN103793811 A CN 103793811A
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- 238000000034 method Methods 0.000 title claims abstract description 38
- 238000005516 engineering process Methods 0.000 description 5
- 238000010586 diagram Methods 0.000 description 1
- 238000009434 installation Methods 0.000 description 1
- 238000007726 management method Methods 0.000 description 1
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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
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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
- G06Q20/02—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]
Abstract
The invention discloses an on-line settlement method. The method comprises the steps that an identification picture of a receiving end is input in a first network terminal, the first network terminal searches for the receiving end corresponding to the identification picture on a network server according to the identification picture, obtains a bill from the receiving end and operates a corresponding account, and then settlement is carried out through a network according to the searched bill. The invention further discloses a device adopting the on-line settlement method. According to the technical scheme, settlement of transactions can be finished conveniently and fast, and the identification of merchants can be advertised conveniently due to the fact that users shoot the identification picture each time.
Description
Technical field
The present invention relates to a kind of settlement method, the settlement method that especially a kind of Adoption Network is realized.The invention still further relates to a kind of electronic installation, the checkout apparatus that especially a kind of Adoption Network is realized.
Background technology
At present, businessman, in order to keep client here, often adopts the form of some member cards to carry out some interest concessions to client.Such as, client handles a member card certain amount of money that prestores in businessman, just can be in the preferential consumption of this businessman.But because such businessman is more and more, client just has increasing member card, adds at present more popular consumption cards on the market, carries and use all very inconvenient concerning client.Along with the prosperity of network trading, online payment more and more becomes the conventional means of exchange of people with clearing, and due to its convenience, the application of online payment and clearing also spreads to entity businessman gradually.
Summary of the invention
Technical matters to be solved by this invention is to provide a kind of online settlement method, and online checkout apparatus, can efficient and conveniently complete accurately and pay or clearing, and have the function of advertisement.
For solving the problems of the technologies described above, the technical scheme of the online settlement method of the present invention is,
Comprise the following steps:
At the identification image of first network terminal input beneficiary;
Described first network terminal, according to described identification image, is searched for the beneficiary corresponding with this identification image on the webserver;
Described first network terminal is obtained bill by network from the beneficiary searching;
The corresponding account of described first network terminal operation, settles accounts by network according to the bill searching.
The invention discloses the online checkout apparatus that a kind of above-mentioned online settlement method adopts, its technical scheme is, based on the network terminal that comprises computer system, comprising:
Mark input block, the identification image of input beneficiary;
Search parts, according to described identification image, the search beneficiary corresponding with this identification image on the webserver;
Bill is obtained parts, obtains bill by network from the beneficiary searching;
The first settlement means, operates corresponding account, settles accounts by network according to the bill searching.
The invention also discloses another kind of online settlement method, its technical scheme is to comprise the following steps:
The identification image of beneficiary is provided, and this identification image is also stored on the webserver, makes user on the webserver, to search this identification image according to this identification image;
Second network terminal at this beneficiary is inputted bill information and generates bill, and the request of response first network terminal, sends to described first network terminal by described bill;
Confirm whether the transaction of described bill information has settled accounts.
The invention also discloses the online checkout apparatus that a kind of above-mentioned online settlement method adopts, its technical scheme is based on the network terminal that comprises computer system, and corresponding to a certain beneficiary, comprising:
The second input block, input bill information also generates bill;
Bill transmit block, when user searches beneficiary according to the identification image of beneficiary, and sends request and obtains after bill to the online checkout apparatus of beneficiary, and the bill of generation is sent to user;
The second settlement means, confirms whether the transaction of described bill has settled accounts.
The present invention discloses again another kind of online settlement method, and its technical scheme is to store the identification image of beneficiary at server end, and comprise the following steps:
Receive the identification image that first network terminal to server end is uploaded, and the search beneficiary corresponding with this identification image, return to first network terminal;
Described first network terminal is obtained bill by network from the beneficiary searching;
The corresponding account of described first network terminal operation, settles accounts by network according to the bill searching.
The present invention discloses again the online checkout apparatus that a kind of above-mentioned online settlement method adopts, and its technical scheme is, based on the webserver that comprises computer system, comprising:
Receiving-member, receives the identification image that first network terminal to server end is uploaded,
Search parts, beneficiary corresponding to identification image that search is uploaded with first network terminal, returns to first network terminal, is obtained bill and completes clearing by network for described first network terminal from the beneficiary searching.
The present invention adopts technique scheme, can conveniently complete settlement of transactions, and user takes identification image at every turn, also makes businessman to publicize self identification easily.
Accompanying drawing explanation
Below in conjunction with drawings and Examples, the present invention is further detailed explanation:
Fig. 1 is the schematic diagram of the online checkout apparatus embodiment of the present invention.
Embodiment
The invention discloses a kind of online settlement method, can be used by payer, comprise the following steps:
At the identification image of first network terminal input beneficiary;
Described first network terminal, according to described identification image, is searched for the beneficiary corresponding with this identification image on the webserver;
Described first network terminal is obtained bill by network from the beneficiary searching;
The corresponding account of described first network terminal operation, settles accounts by network according to the bill searching.
The implication of described clearing comprises direct payment, or the mode of doing business such as withhold from the advance payment of account.
Described first network terminal adopts the mode of taking to input the identification image of beneficiary.
Described first network terminal is according to the geographical location information of himself, at the beneficiary that is arranged in a certain territorial scope around this geographical location information, searches for the beneficiary corresponding with this identification image.
The bill that described first network terminal gets is multiple, and user therefrom selects after wherein one or more bills, the corresponding account of described first network terminal operation, and the bill of choosing according to user is settled accounts by network.
Described first network terminal binding has specific account, and the account that described first network terminal operation is bound, settles accounts by network according to the bill getting.
The invention discloses the online checkout apparatus that a kind of above-mentioned online settlement method adopts, based on the network terminal that comprises computer system, comprising:
Mark input block, the identification image of input beneficiary;
Search parts, according to described identification image, the search beneficiary corresponding with this identification image on the webserver;
Bill is obtained parts, obtains bill by network from the beneficiary searching;
The first settlement means, operates corresponding account, settles accounts by network according to the bill searching.
Described mark input block also comprises shooting parts, adopts the mode of taking to input the identification image of beneficiary.
Also comprise the first positioning element, the geographical location information of the online payment device that described search parts obtains according to described the first positioning element, at the beneficiary that is arranged in a certain territorial scope around this geographical location information, search for the beneficiary corresponding with this identification image.
The present invention discloses again a kind of online settlement method, can be used by beneficiary, comprises the following steps:
The identification image of beneficiary is provided, and this identification image is also stored on the webserver, makes user on the webserver, to search this identification image according to this identification image;
Second network terminal at this beneficiary is inputted bill information and generates bill, and the request of response first network terminal, sends to described first network terminal by described bill;
Confirm whether the transaction of described bill information has settled accounts.
Described second network terminal is uploaded the geographical location information at its place, in the time that this geographical location information meets the predefined geographic range of user, makes user can on the webserver, search the identification image of this second network terminal beneficiary.
The bill that clearing are completed is deleted in second network terminal.
Or described second network terminal only sends effective bill; It is invalid that the bill of having settled accounts is set to.
The present invention discloses again the online checkout apparatus that a kind of above-mentioned online settlement method adopts, and based on the network terminal that comprises computer system, comprising:
The second input block, input bill information also generates bill;
Bill transmit block, when user searches beneficiary according to the identification image of beneficiary, and sends request and obtains after bill to the online checkout apparatus of beneficiary, and the bill of generation is sent to user;
The second settlement means, confirms whether the transaction of described bill has settled accounts.
Described online checkout apparatus also comprises that identification image provides parts, and the identification image of beneficiary is provided, and this identification image is also stored on the webserver.
Also comprise that geographical location information uploads parts, the geographical location information at described online checkout apparatus place is uploaded, in the time that this geographical location information meets the geographic range of user's setting, make user can on the webserver, search the beneficiary of this identification image.
Described online checkout apparatus also comprises positioning element, obtains the geographical location information at described online checkout apparatus place, uploads parts this geographical location information is uploaded by described geographical location information.
The present invention discloses a kind of online settlement method again, can be used by the server operator of online payment and settlement, stores the identification image of beneficiary, and comprise the following steps at server end:
Receive the identification image that first network terminal to server end is uploaded, and the search beneficiary corresponding with this identification image, return to first network terminal;
Described first network terminal is obtained bill by network from the beneficiary searching;
The corresponding account of described first network terminal operation, settles accounts by network according to the bill searching.
After described beneficiary is returned to first network terminal, guide the corresponding account of described first network terminal operation, settle accounts by network according to the bill searching.
Described first network terminal and second network terminal are all uploaded geographical location information separately to described server end, the beneficiary of a certain territorial scope around the geographical location information that is arranged in described first network terminal, searches for the beneficiary corresponding with this identification image.
The present invention discloses the online checkout apparatus that a kind of above-mentioned online settlement method adopts again, based on the webserver that comprises computer system, comprising:
Receiving-member, receives the identification image that first network terminal to server end is uploaded,
Search parts, beneficiary corresponding to identification image that search is uploaded with first network terminal, returns to first network terminal, is obtained bill and completes clearing by network for described first network terminal from the beneficiary searching.
Current, a lot of businessmans have all released the member card, the prepaid card etc. that attract clients, require client to add member, or prepay certain expense in businessman, and the treatment such as consumption just can enjoy privileges in businessman.But for consumers, increasing businessman adopts such management style, and making has increasing member card, prepaid card etc. in consumer's hand, makes consumer very inconvenient in use.By use of the present invention, just can address this problem.The present invention can relate to consumer user, businessman and the online settlement platform tripartite of operator.Businessman is stored in the identification image of oneself in the server of operator, and in settlement of transactions, offers consumer user.Consumer user is in the time of transaction, and with the identification image of the network terminal input businessmans such as smart mobile phone, panel computer, current such network terminal is all equipped with camera, and the mode that consumer user can take by employing is obtained the identification image of businessman.Afterwards, consumer user is uploaded to this identification image the server of operator by network, according to this identification image search businessman corresponding with it, is then linked to businessman and obtains the bill of this consumption of consumer.User is according to the bill getting, and operates corresponding account and complete the clearing of transaction.This corresponding account can be consumer third party, the account of for example bank and other financial mechanism, can be also the prepaid account of consumer in businessman, or after payment with the consumption number of times account of settling accounts.By operating these accounts, consumer is completed payment, withholds or is recorded the operations such as consumption number of times by network.
Above-described embodiment, by adopting method provided by the present invention, has completed the clearing of transaction.And the identification image that businessman provides is conduct retrieval foundation only, and do not comprise the account information of transaction itself, therefore this identification image, businessman does not need to change according to different transaction.This identification image is set to the characteristic mark of businessman or trade mark, can make consumer in the time of each consumption, all must adopt the mode that obtains businessman's mark or trade mark to settle accounts, and is conducive to businessman to carry out advertising.
Because businessman is numerous, some chain businessmans may adopt identical or similar identification image.In order to address this problem, user's the network terminal can obtain geographical location information, only searches near the identification image of the businessman of geographical location information, thereby improves the accuracy of retrieval.In addition, some businessman can make house calls, such as express delivery etc., and in the time of clearing, the geographical location information that obtains its place that the network terminal that businessman is used also can be real-time, and upload onto the server, what user also can be real-time in the time of search searches Zhe Lei businessman.
In the time of clearing, likely there are multiple open bills in same businessman.User can therefrom select the bill of oneself consuming to settle accounts.
For the bill of businessman, if this bill was not settled accounts, businessman can this bill be set to effectively, makes user to obtain this bill from businessman.When this bill was settled accounts, businessman can this bill be set to invalidly, or this bill is deleted, and consumer user just can not obtain the bill of having settled accounts in search like this.
The foregoing is only preferred embodiment of the present invention, not in order to limit essence technology contents scope of the present invention, essence technology contents of the present invention is in the claim scope that is defined in application of broad sense, any technology entity or method that other people complete, if defined identical with the claim scope of application, also or a kind of change of equivalence, be all covered by among this claim scope being regarded as.
Claims (20)
1. an online settlement method, is characterized in that, comprises the following steps:
At the identification image of first network terminal input beneficiary;
Described first network terminal, according to described identification image, is searched for the beneficiary corresponding with this identification image on the webserver;
Described first network terminal is obtained bill by network from the beneficiary searching;
The corresponding account of described first network terminal operation, settles accounts by network according to the bill searching.
2. online settlement method according to claim 1, is characterized in that, described first network terminal adopts the mode of taking to input the identification image of beneficiary.
3. online settlement method according to claim 1, it is characterized in that, described first network terminal is according to the geographical location information of himself, at the beneficiary that is arranged in a certain territorial scope around this geographical location information, searches for the beneficiary corresponding with this identification image.
4. online settlement method according to claim 1, it is characterized in that, the bill that described first network terminal gets is multiple, user therefrom selects after wherein one or more bills, the corresponding account of described first network terminal operation, the bill of choosing according to user is settled accounts by network.
5. online settlement method according to claim 1, is characterized in that, described first network terminal binding has specific account, and the account that described first network terminal operation is bound, settles accounts by network according to the bill getting.
6. the online checkout apparatus that online settlement method adopted as described in any one in claim 1-5, is characterized in that, based on the network terminal that comprises computer system, comprising:
Mark input block, the identification image of input beneficiary;
Search parts, according to described identification image, the search beneficiary corresponding with this identification image on the webserver;
Bill is obtained parts, obtains bill by network from the beneficiary searching;
The first settlement means, operates corresponding account, settles accounts by network according to the bill searching.
7. online checkout apparatus according to claim 6, is characterized in that, described mark input block also comprises shooting parts, adopts the mode of taking to input the identification image of beneficiary.
8. online checkout apparatus according to claim 6, it is characterized in that, also comprise the first positioning element, the geographical location information of the online payment device that described search parts obtains according to described the first positioning element, at the beneficiary that is arranged in a certain territorial scope around this geographical location information, search for the beneficiary corresponding with this identification image.
9. an online settlement method, is characterized in that, comprises the following steps:
The identification image of beneficiary is provided, and this identification image is also stored on the webserver, makes user on the webserver, to search this identification image according to this identification image;
Second network terminal at this beneficiary is inputted bill information and generates bill, and the request of response first network terminal, sends to described first network terminal by described bill;
Confirm whether the transaction of described bill information has settled accounts.
10. online settlement method according to claim 9, it is characterized in that, described second network terminal is uploaded the geographical location information at its place, in the time that this geographical location information meets the predefined geographic range of user, make user can on the webserver, search the identification image of this second network terminal beneficiary.
11. online settlement methods according to claim 9, is characterized in that, the bill that clearing are completed is deleted in second network terminal.
12. online settlement methods according to claim 9, is characterized in that, described second network terminal only sends effective bill; It is invalid that the bill of having settled accounts is set to.
13. 1 kinds of online checkout apparatus that online settlement method adopted as described in any one in claim 9-12, is characterized in that, based on the network terminal that comprises computer system, and corresponding to a certain beneficiary, comprising:
The second input block, input bill information also generates bill;
Bill transmit block, when user searches beneficiary according to the identification image of beneficiary, and sends request and obtains after bill to the online checkout apparatus of beneficiary, and the bill of generation is sent to user;
The second settlement means, confirms whether the transaction of described bill has settled accounts.
14. online checkout apparatus according to claim 13, is characterized in that, also comprise that identification image provides parts, and the identification image of beneficiary is provided, and this identification image is also stored on the webserver.
15. online checkout apparatus according to claim 13, it is characterized in that, also comprise that geographical location information uploads parts, the geographical location information at described online checkout apparatus place is uploaded, in the time that this geographical location information meets the geographic range of user's setting, make user can on the webserver, search the beneficiary of this identification image.
16. online checkout apparatus according to claim 15, is characterized in that, also comprise positioning element, obtain the geographical location information at described online checkout apparatus place, upload parts this geographical location information is uploaded by described geographical location information.
17. 1 kinds of online settlement methods, is characterized in that, store the identification image of beneficiary, and comprise the following steps at server end:
Receive the identification image that first network terminal to server end is uploaded, and the search beneficiary corresponding with this identification image, return to first network terminal;
Described first network terminal is obtained bill by network from the beneficiary searching;
The corresponding account of described first network terminal operation, settles accounts by network according to the bill searching.
18. online settlement methods according to claim 17, is characterized in that, after described beneficiary is returned to first network terminal, guide the corresponding account of described first network terminal operation, settle accounts by network according to the bill searching.
19. online settlement methods according to claim 17, it is characterized in that, described first network terminal and second network terminal are all uploaded geographical location information separately to described server end, the beneficiary of a certain territorial scope around the geographical location information that is arranged in described first network terminal, searches for the beneficiary corresponding with this identification image.
20. 1 kinds of online checkout apparatus that online settlement method adopted as described in any one in claim 17-19, is characterized in that, based on the webserver that comprises computer system, comprising:
Receiving-member, receives the identification image that first network terminal to server end is uploaded,
Search parts, beneficiary corresponding to identification image that search is uploaded with first network terminal, returns to first network terminal, is obtained bill and completes clearing by network for described first network terminal from the beneficiary searching.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410049950.3A CN103793811B (en) | 2014-02-13 | 2014-02-13 | Online settlement method and device |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201410049950.3A CN103793811B (en) | 2014-02-13 | 2014-02-13 | Online settlement method and device |
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| CN103793811A true CN103793811A (en) | 2014-05-14 |
| CN103793811B CN103793811B (en) | 2019-03-26 |
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| CN201410049950.3A Active CN103793811B (en) | 2014-02-13 | 2014-02-13 | Online settlement method and device |
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Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN106779649A (en) * | 2016-12-21 | 2017-05-31 | 世纪禾光科技发展（北京）有限公司 | Transfer accounts processing method and processing 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 |
| CN107464110A (en) * | 2017-07-10 | 2017-12-12 | 北京云知科技有限公司 | Block chain wallet address generating method, method of payment, device and electronic equipment based on image |
| CN107657445A (en) * | 2017-07-04 | 2018-02-02 | 深圳市谷熊网络科技有限公司 | A kind of on-line payment method and on-line payment system |
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| 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 | Priority date | Publication date | Assignee | Title |
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| 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 |
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106779649A (en) * | 2016-12-21 | 2017-05-31 | 世纪禾光科技发展（北京）有限公司 | Transfer accounts processing method and processing 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 |
| CN107657445A (en) * | 2017-07-04 | 2018-02-02 | 深圳市谷熊网络科技有限公司 | A kind of on-line payment method and on-line payment system |
| CN107464110A (en) * | 2017-07-10 | 2017-12-12 | 北京云知科技有限公司 | Block chain wallet address generating method, method of payment, device and electronic equipment based on image |
| 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 |
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| CN103793811B (en) | 2019-03-26 |
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