CN104424560A - E-payment method and device - Google Patents
E-payment method and device Download PDFInfo
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- CN104424560A CN104424560A CN201310362437.5A CN201310362437A CN104424560A CN 104424560 A CN104424560 A CN 104424560A CN 201310362437 A CN201310362437 A CN 201310362437A CN 104424560 A CN104424560 A CN 104424560A
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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
- G06Q20/22—Payment schemes or models
- G06Q20/26—Debit schemes, e.g. "pay now"
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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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
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Abstract
The invention discloses an e-payment method and device. The method comprises the following steps: the e-payment device obtains payment information sent by a payment information collection device, wherein the payment information comprises service type; and the e-payment device analyzes the service type in the payment information and sends a corresponding settlement request to a settlement management center according to the analysis result, so that the settlement management center is allowed to carry out settlement according to the payment information and generate a settlement result. According to the e-payment method and device, during e-payment, the e-payment device can send the corresponding settlement request to the settlement management center according to the service type in the payment information.
Description
Technical field
The present invention relates to E-Payment field, be related specifically to a kind of electric paying method and device.
Background technology
The development of electronic information technology, bring great convenience to the life of people, people favor E-Payment more and more, and such as we pay public transport fare, subway expense by swiping the card, commodity expense is bought in supermarket or other is consumed.But pay by mails and there is again certain risk while offering convenience: some Payment Card is blank card, although easy to use, once lose, certain economic loss will be suffered; And some Payment Card adopts real-name authentication, need authentication to use before consumption, but be sometimes not very convenient to use, such as when brush mass transit card, often people is many, also need to input password, not only delay, and very possible password is stolen.Can determine the need of authentication according to actual needs when how to make user pay by mails, facilitating user to realize paying by mails, will be our problem demanding prompt solution.
Summary of the invention
Fundamental purpose of the present invention, for providing a kind of electric paying method and device, being intended to facilitate user to realize paying by mails, can sending the request of corresponding clearing when paying by mails according to the type of service in payment information to settlement management center.
The invention provides a kind of electric paying method, comprise the following steps:
Payment devices obtains the payment information that payment information harvester sends over, and described payment information comprises type of service;
Described payment devices analyzes the type of service in described payment information, and sends the request of corresponding clearing to settlement management center according to analysis result, carries out settling accounts and generate a checkout result for settlement management center based on described payment information.
Preferably, described payment devices analyzes the type of service in described payment information, and send the request of corresponding clearing to settlement management center according to analysis result, carry out settling accounts based on described payment information for settlement management center and the step generating a checkout result comprises:
Whether the described payment devices type of service analyzed in described payment information belongs to the default type of service exempting from authentication, if the type of service in described payment information belongs to the default type of service exempting from authentication, then described payment devices sends the request of directly clearing to settlement management center, directly carry out settling accounts and generating a checkout result based on described payment information for settlement management center, the request of described direct clearing comprises mark or the notice of described payment information and directly clearing.
Preferably, described payment devices sends the step of the request of directly clearing to settlement management center before, the method also comprises:
Judge described payment devices whether accessing Internet;
If described payment devices accessing Internet, then described payment devices sends the request of directly clearing to settlement management center.
Preferably, after the step judging described payment devices whether accessing Internet, the method also comprises:
If the non-accessing Internet of described payment devices, then described payment information record is stored in pending list.
Preferably, after described payment information record is stored in the step in pending list, the method also comprises:
Judge described payment devices whether accessing Internet according to preset time period timing, if described payment devices accessing Internet, then send the request of directly settling accounts to described settlement management center based on the payment information in described pending list;
Corresponding payment information in described pending list is deleted by described payment devices after receiving the payment successful information that returns of management settlement center.
Preferably, the type of service analyzed in described payment information in payment devices whether belong to default exempt from the step of the type of service of authentication after, the method also comprises:
If the type of service in described payment information does not belong to the default type of service exempting from authentication, then described payment devices sends the request of authentication clearing to settlement management center, for settlement management center, obligation authority checking is carried out to described payment devices, and carry out settling accounts based on described payment information after obligation authority is verified and generate a checkout result, the request of described authentication clearing comprises mark or the notice of described payment information and authentication clearing.
The present invention also provides a kind of payment devices, comprising:
Acquisition module, for obtaining the payment information that payment information harvester sends over, described payment information comprises type of service;
Analysis module, generates analysis result for the type of service analyzed in described payment information;
Transceiver module, for sending the request of corresponding clearing to settlement management center according to the analysis result of described analysis module, carries out settling accounts based on described payment information for settlement management center and generates a checkout result.
Preferably, described analysis module comprises analytic unit, and whether described analytic unit belongs to the default type of service exempting from authentication for the type of service analyzed in described payment information;
Described transceiver module is also for being that type of service in described payment information belongs to the default type of service exempting from authentication when the analysis result of described analytic unit, then described payment devices sends the request of directly clearing to settlement management center, directly carry out settling accounts and generating a checkout result based on described payment information for settlement management center, the request of described direct clearing comprises mark or the notice of described payment information and directly clearing.
Preferably, described device also comprises:
First judge module, for judging described payment devices whether accessing Internet;
Described transceiver module, also for when described payment devices accessing Internet, sends the request of directly settling accounts to described settlement management center.
Preferably, described device also comprises:
Logging modle, during for being the non-accessing Internet of described payment devices in the judged result of described first judge module, is stored in described payment information record in pending list.
Preferably, described device also comprises: the second judge module and removing module;
Described second judge module, for judging described payment devices whether accessing Internet according to preset time period timing;
Transceiver module, also in the judged result of described second judge module be described payment devices accessing Internet time, will send based on the payment information in described pending list the request directly settled accounts to described settlement management center;
Described removing module, for deleting the corresponding payment information in described pending list after receiving the payment successful information that returns of described management settlement center.
Preferably, described transceiver module also for the type of service in described payment information do not belong to default exempt from the type of service of authentication time, the request of authentication clearing is sent to settlement management center, for settlement management center, obligation authority checking is carried out to described payment devices, and carry out settling accounts based on described payment information after obligation authority is verified and generate a checkout result, the request of described authentication clearing comprises mark or the notice of described payment information and authentication clearing.
Electric paying method of the present invention and device, the type of service in the payment information obtained from payment information harvester by analysis, and send the request of corresponding clearing to settlement management center according to analysis result.Adopt the present invention, when paying by mails, this payment devices can send the request of corresponding clearing to settlement management center according to the type of service in payment information, determine whether to carry out direct payment, as direct payment, can tap into row clearing by settlement management central straight.
Accompanying drawing explanation
Fig. 1 is the structured flowchart of the preferred embodiment of payment devices of the present invention;
Fig. 2 is the schematic flow sheet of the first embodiment of electric paying method of the present invention;
Fig. 3 is the schematic flow sheet of the second embodiment of electric paying method of the present invention.
The realization of the object of the invention, functional characteristics and advantage will in conjunction with the embodiments, are described further with reference to accompanying drawing.
Embodiment
Should be appreciated that specific embodiment described herein only in order to explain the present invention, be not intended to limit the present invention.
With reference to the structured flowchart that Fig. 1, Fig. 1 are the preferred embodiment of payment devices of the present invention, this payment devices 100 comprises:
Acquisition module 10, for obtaining the payment information that payment information harvester sends over, this payment information comprises payment, type of service and payment accounts;
Analysis module 20, generates analysis result for the type of service analyzed in this payment information;
Transceiver module 30, for sending the request of corresponding clearing to settlement management center according to the analysis result of this analysis module, carries out settling accounts based on this payment information for settlement management center and generates a checkout result.
Concrete, this analysis module 20 comprises analytic unit, and whether this analytic unit belongs to the default type of service exempting from authentication for the type of service analyzed in this payment information; This transceiver module 30 also for when the analysis result of this analytic unit be type of service in this payment information belong to default exempt from the type of service of authentication time, the request of directly clearing is sent to settlement management center, directly carry out settling accounts and generating a checkout result based on this payment information for settlement management center, this request of directly settling accounts comprises mark or the notice of this payment information and directly clearing.
This payment information harvester obtains payment in advance, and obtain payment accounts (as obtained payment accounts by card reader) by contact or non-contact inductive, this payment information harvester also built-in type of service, this type of service comprises: Bus(public transport fare), Subway(subway takes), Water(water rate), the Electricity(electricity charge), Gas(combustion gas expense) etc., this type of service is the built-in fixed data of payment information harvester, the built-in type of service of each payment information harvester, type of service as built-in in payment information harvester is Bus, the type of service of another payment information harvester is Water, namely the business that the process of each payment information harvester is different.
Acquisition module 10 obtains the payment information that payment information harvester sends over, the form of this payment information as shown in Table 1:
Table one
| Pay numbering | Type of service | Payment | Payment accounts | Time of payment |
| Y000110 | Bus | ￥1 | 123456789 | 2013.04.01 |
Whether the type of service that analysis module 20 is analyzed in this payment information belongs to the type of service exempting from authentication, in this payment devices 100, pre-set one exempt from authentication table, this is exempted from authentication table and lists the type of service can exempting from authentication, and this exempts from authentication table as shown in Table 2:
Table two
| Business is numbered | Type of service |
| A000110 | Bus |
| A000111 | Water |
| A000112 | Gas |
| …… | …… |
When the analysis result of analysis module 20 is when in payment information, type of service belongs to the type of service exempting from authentication, transceiver module 30 sends to settlement management center and directly settles accounts request, this directly settles accounts the mark or notice asking to comprise this payment information and directly clearing, preferably, this directly settles accounts request content as shown in Table 3.
Table three
| Pay numbering | Type of payment | Type of service | Payment | Payment accounts | Time of payment |
| Y000110 | Direct payment | Bus | ￥1 | 123456789 | 2013.04.01 |
Payment information is sent to accounts information server by this settlement management center, and request account information server carries out personal account renewal, and when Sorry, your ticket has not enough value for personal account, then payment result is unsuccessfully; When personal account remaining sum is sufficient, then payment result is successfully.Payment result is sent to payment devices by settlement management center, and payment result is sent to payment information harvester by this payment devices again.This payment information harvester carries out corresponding prompting according to this payment result, and as display " paying successfully ", " pay unsuccessfully, Sorry, your ticket has not enough value ", also can increase LED prompting, during as paid successful, green light dodges; When paying unsuccessfully, red light dodges.This payment result as shown in Table 4.
Table four
Payment devices of the present invention, whether the type of service in the payment information obtained from payment information harvester by analysis belongs to the default type of service exempting from authentication, if belong to, then this payment devices sends the request of directly clearing to settlement management center.Adopt the present invention, when paying by mails, whether this payment devices can belong to the default type of service exempting from authentication according to the type of service in payment information determines whether to carry out direct payment, as direct payment, can tap into row clearing by settlement management central straight.
Further, this payment devices 100 also comprises the first judge module, for judging this payment devices whether accessing Internet;
This transceiver module, also for when this payment devices accessing Internet, sends the request of directly settling accounts to this settlement management center.
Further, this payment devices 100 also comprises:
Logging modle, during for being the non-accessing Internet of this payment devices in the judged result of this first judge module, is stored in this payment information record in pending list.。
Payment information can be recorded in pending list by this logging modle.In this payment devices 100, can a pre-configured small-sized sql server.When this payment devices 100 non-accessing Internet, by SQL statement, payment information is write in pending list.
Further, this payment devices 100 also comprises: the second judge module and removing module;
This second judge module, for judging this payment devices whether accessing Internet according to preset time period timing;
Transceiver module, also in the judged result of this second judge module be this payment devices accessing Internet time, will based on the payment information in this pending list to this settlement management center send directly settle accounts request;
This removing module, for deleting the corresponding payment information in this pending list after receiving the payment successful information that this management settlement center returns.
When there is pending payment information in pending list, this second judge module judges payment devices 100 whether accessing Internet according to preset time period timing, as this second judge module can judge this payment devices 100 whether accessing Internet for every 10 seconds.When the judged result of this second judge module be this payment devices accessing Internet time, send to settlement management center to settle accounts by internet the payment information in this pending list, and by removing module, the corresponding payment information in this pending list is deleted after receiving the payment successful information that this management settlement center returns.
Further, when this transceiver module 30 does not also belong to for the type of service in this payment information the type of service exempting from authentication, the request of authentication clearing is sent to settlement management center, for settlement management center, obligation authority checking is carried out to this payment devices, and carry out settling accounts based on this payment information after obligation authority is verified and generate a checkout result, the request of this authentication clearing comprises mark or the notice of this payment information and authentication clearing.The request of this authentication clearing as shown in Table 5.
Table five
| Pay numbering | Type of payment | Type of service | Payment | Payment accounts | Time of payment |
| Y000110 | Authenticated payment | Bus | ￥1 | 123456789 | 2013.04.01 |
Business type field in the request of this settlement management center extraction authentication clearing, then sends to CAMEL-Subscription-Information server by the type of service of this extraction.Whether the type of service that CAMEL-Subscription-Information server inquires about this extraction in the CAMEL-Subscription-Information table preset contracts, if the Query Result in this CAMEL-Subscription-Information table is not for exist, then this delivery operation is abandoned at settlement management center, sent by internet and pay failure and reason to payment devices, payment failure and reason are sent to payment information harvester by this payment devices again, if for there is this type of service but not contracting in the Query Result in this CAMEL-Subscription-Information table, then settlement center abandons this delivery operation, sent by internet and pay failure and reason to payment devices 100, payment failure and reason are sent to payment information harvester by this payment devices 100 again, if there is this type of service and do not need authentication in this CAMEL-Subscription-Information table, then settlement management center requests accounts information server carries out personal account renewal, and payment result is sent to payment devices 100 by settlement management center, then send to payment information harvester, if there is this type of service and need authentication in this CAMEL-Subscription-Information table, then settlement management center sends authentication request to this payment devices 100, authentication request is sent to payment information harvester by this payment devices 100 again, user is by this payment information harvester input payment cipher, this payment cipher will send to CAMEL-Subscription-Information server to carry out authentication by payment devices 100 and settlement management center by this payment information harvester successively, when this CAMEL-Subscription-Information server is according to this payment cipher authentication success, payment information is sent to accounts information server by this settlement management center, request account information server carries out personal account renewal, when the service of this CAMEL-Subscription-Information is according to this payment cipher failed authentication, this delivery operation is abandoned at settlement management center, sent by internet and pay failure and reason to payment devices 100, payment failure and reason are sent to payment information harvester by this payment devices 100 again.The CAMEL-Subscription-Information table preset in CAMEL-Subscription-Information server as shown in Table 6.
Table six
| Business is numbered | Type of service | Whether contract | The signing time |
| Z000211 | Water | Y | 2013-04-01 |
| Z000212 | Electricity | Y | 2013-04-02 |
| Z000213 | Gas | N | |
| …… | …… | …… | …… |
Further, this payment devices 100 also comprises update module, exempts from authentication information for what receive that this settlement center sends over, and exempts from authentication information and upgrade this according to this and exempt from authentication table.
As shown in Figure 2, be the schematic flow sheet of the first embodiment of electric paying method of the present invention, the method comprises:
S20, payment devices obtain the payment information that payment information harvester sends over, and this payment information comprises payment, type of service and payment accounts;
This payment information harvester obtains payment in advance, and obtain payment accounts (as obtained payment accounts by card reader) by contact or non-contact inductive, this payment information harvester also built-in type of service, this type of service comprises: Bus(public transport fare), Subway(subway takes), Water(water rate), the Electricity(electricity charge), Gas(combustion gas expense) etc., this type of service is the built-in fixed data of payment information harvester, the built-in type of service of each payment information harvester, type of service as built-in in payment information harvester is Bus, the type of service of another payment information harvester is Water, namely the business that the process of each payment information harvester is different.The form of the payment information that payment devices obtains is as shown in above-mentioned table one.
S21, this payment devices analyze the type of service in this payment information, and send the request of corresponding clearing to settlement management center according to analysis result, carry out settling accounts and generate a checkout result for settlement management center based on this payment information.
Adopt the electric paying method of above-described embodiment, the type of service in the payment information obtained from payment information harvester by analysis, and send the request of corresponding clearing according to analysis result to settlement management center; The request of corresponding clearing can be sent according to the type of service in payment information to settlement management center, determine whether to carry out direct payment, as direct payment, row clearing can be tapped into by settlement management central straight.
As shown in Figure 3, be the schematic flow sheet of the second embodiment of electric paying method of the present invention, the method comprises:
S30, payment devices obtain the payment information that payment information harvester sends over, and this payment information comprises payment, type of service and payment accounts;
This payment information harvester obtains payment in advance, and obtain payment accounts (as obtained payment accounts by card reader) by contact or non-contact inductive, this payment information harvester also built-in type of service, this type of service comprises: Bus(public transport fare), Subway(subway takes), Water(water rate), the Electricity(electricity charge), Gas(combustion gas expense) etc., this type of service is the built-in fixed data of payment information harvester, the built-in type of service of each payment information harvester, type of service as built-in in payment information harvester is Bus, the type of service of another payment information harvester is Water, namely the business that the process of each payment information harvester is different.The form of the payment information that payment devices obtains is as shown in above-mentioned table one.
Whether S31, the type of service analyzed in this payment information belong to the default type of service exempting from authentication, if belong to, then perform step S32;
Whether the type of service analyzed in this step S31 in this payment information belongs to the type of service exempting from authentication, pre-sets one and exempt from authentication table in this payment devices, this exempt from authentication table list can exempt from authentication type of service this exempt from authentication table as shown in Table 2.
S32, payment devices send the request of directly clearing to settlement management center, directly carry out settling accounts and generating a checkout result based on this payment information for settlement management center, this request of directly settling accounts comprises mark or the notice of this payment information and directly clearing.
In this step S32, payment devices sends to settlement management center and directly settles accounts request, and this directly settles accounts the mark or notice asking to comprise this payment information and directly clearing, and preferably, this directly settles accounts request content as shown in Table 3.
Payment information is sent to accounts information server by this settlement management center, and request account information server carries out personal account renewal, and when Sorry, your ticket has not enough value for personal account, then payment result is unsuccessfully; When personal account remaining sum is sufficient, then payment result is successfully.Payment result is sent to payment devices by settlement management center, and payment result is sent to payment information harvester by this payment devices again.This payment information harvester carries out corresponding prompting according to this payment result, and as display " paying successfully ", " pay unsuccessfully, Sorry, your ticket has not enough value ", also can increase LED prompting, during as paid successful, green light dodges; When paying unsuccessfully, red light dodges.This payment result as shown in Table 4.
Further, before this step S32, the method also comprises:
S33, judge this payment devices whether accessing Internet, if this payment devices accessing Internet, then perform step S32.
Further, if during the judged result of the step S33 non-accessing Internet that is this payment devices, the method is further comprising the steps of:
S34, this payment information record to be stored in pending list.
Payment information can be recorded in pending list by step S34.In this payment devices, can a pre-configured small-sized sql server.When the non-accessing Internet of this payment devices, by SQL statement, payment information is write in pending list.
Further, after step S34, the method also comprises:
S35, judge this payment devices whether accessing Internet according to preset time period timing, if this payment devices accessing Internet, then send the request of directly settling accounts to this settlement management center based on the payment information in this pending list;
Corresponding payment information in this pending list is deleted by S36, this payment devices after receiving the payment successful information that returns of management settlement center.
When there is pending payment information in pending list, judge payment devices whether accessing Internet by step S60 according to preset time period timing, as this payment devices whether accessing Internet within every 10 seconds, can be judged.When this payment devices accessing Internet, send to settlement management center to settle accounts by internet the payment information in this pending list, and by removing module, the corresponding payment information in this pending list is deleted after receiving the payment successful information that this management settlement center returns.
Further, the analysis result of step S31 be type of service in this payment information do not belong to default exempt from the type of service of authentication time, the method is further comprising the steps of:
S37, payment devices send the request of authentication clearing to settlement management center, for settlement management center, obligation authority checking is carried out to this payment devices, and carry out settling accounts based on this payment information after obligation authority is verified and generate a checkout result, the request of this authentication clearing comprises mark or the notice of this payment information and authentication clearing.
Business type field in the request of this settlement management center extraction authentication clearing, then sends to CAMEL-Subscription-Information server by the type of service of this extraction.Whether the type of service that CAMEL-Subscription-Information server inquires about this extraction in the CAMEL-Subscription-Information table preset contracts, if the Query Result in this CAMEL-Subscription-Information table is not for exist, then this delivery operation is abandoned at settlement management center, sent by internet and pay failure and reason to payment devices, payment failure and reason are sent to payment information harvester by this payment devices again, if for there is this type of service but not contracting in the Query Result in this CAMEL-Subscription-Information table, then settlement center abandons this delivery operation, sent by internet and pay failure and reason to payment devices, payment failure and reason are sent to payment information harvester by this payment devices again, if there is this type of service and do not need authentication in this CAMEL-Subscription-Information table, then settlement management center requests accounts information server carries out personal account renewal, and payment result is sent to payment devices by settlement management center, then send to payment information harvester, if there is this type of service and need authentication in this CAMEL-Subscription-Information table, then settlement management center sends authentication request to this payment devices, authentication request is sent to payment information harvester by this payment devices again, user is by this payment information harvester input payment cipher, this payment cipher will send to CAMEL-Subscription-Information server to carry out authentication by payment devices and settlement management center by this payment information harvester successively, when this CAMEL-Subscription-Information server is according to this payment cipher authentication success, payment information is sent to accounts information server by this settlement management center, request account information server carries out personal account renewal, when the service of this CAMEL-Subscription-Information is according to this payment cipher failed authentication, this delivery operation is abandoned at settlement management center, sent by internet and pay failure and reason to payment devices, payment failure and reason are sent to payment information harvester by this payment devices again.The CAMEL-Subscription-Information table preset in CAMEL-Subscription-Information server as shown in Table 6.
Further, the method also comprises:
What S38, this payment devices received that settlement management center sends over exempts from authentication information, and exempts from authentication information and upgrade this according to this and exempt from authentication table.
At this step S38, can upgrade the authentication table of exempting from of payment devices.
The foregoing is only the preferred embodiments of the present invention; not thereby the scope of the claims of the present invention is limited; every utilize instructions of the present invention and accompanying drawing content to do equivalent structure or equivalent flow process conversion; or be directly or indirectly used in other relevant technical fields, be all in like manner included in scope of patent protection of the present invention.
Claims (10)
1. an electric paying method, is characterized in that, comprises the following steps:
Payment devices obtains the payment information that payment information harvester sends over, and described payment information comprises type of service;
Described payment devices analyzes the type of service in described payment information, and sends the request of corresponding clearing to settlement management center according to analysis result, carries out settling accounts and generate a checkout result for settlement management center based on described payment information.
2. method according to claim 1, it is characterized in that, described payment devices analyzes the type of service in described payment information, and send the request of corresponding clearing to settlement management center according to analysis result, carry out settling accounts based on described payment information for settlement management center and the step generating a checkout result comprises:
Whether the described payment devices type of service analyzed in described payment information belongs to the default type of service exempting from authentication, if the type of service in described payment information belongs to the default type of service exempting from authentication, then described payment devices sends the request of directly clearing to settlement management center, directly carry out settling accounts and generating a checkout result based on described payment information for settlement management center, the request of described direct clearing comprises mark or the notice of described payment information and directly clearing.
3. method according to claim 2, is characterized in that, described payment devices sends the step of the request of directly clearing to settlement management center before, the method also comprises:
Judge described payment devices whether accessing Internet;
If described payment devices accessing Internet, then described payment devices sends the request of directly clearing to settlement management center.
4. method according to claim 3, is characterized in that, after the step judging described payment devices whether accessing Internet, the method also comprises:
If the non-accessing Internet of described payment devices, then described payment information record is stored in pending list.
5. method according to claim 4, is characterized in that, after described payment information record is stored in the step in pending list, the method also comprises:
Judge described payment devices whether accessing Internet according to preset time period timing, if described payment devices accessing Internet, then send the request of directly settling accounts to described settlement management center based on the payment information in described pending list;
Corresponding payment information in described pending list is deleted by described payment devices after receiving the payment successful information that returns of management settlement center.
6. a payment devices, is characterized in that, comprising:
Acquisition module, for obtaining the payment information that payment information harvester sends over, described payment information comprises type of service;
Analysis module, generates analysis result for the type of service analyzed in described payment information;
Transceiver module, for sending the request of corresponding clearing to settlement management center according to the analysis result of described analysis module, carries out settling accounts based on described payment information for settlement management center and generates a checkout result.
7. device according to claim 6, is characterized in that, described analysis module comprises analytic unit, and whether described analytic unit belongs to the default type of service exempting from authentication for the type of service analyzed in described payment information;
Described transceiver module also for when the analysis result of described analytic unit be type of service in described payment information belong to default exempt from the type of service of authentication time, the request of directly clearing is sent to settlement management center, directly carry out settling accounts and generating a checkout result based on described payment information for settlement management center, the request of described direct clearing comprises mark or the notice of described payment information and directly clearing.
8. device according to claim 7, is characterized in that, described device also comprises:
First judge module, for judging described payment devices whether accessing Internet;
Described transceiver module, also for when described payment devices accessing Internet, sends the request of directly settling accounts to described settlement management center.
9. device according to claim 8, is characterized in that, described device also comprises:
Logging modle, during for being the non-accessing Internet of described payment devices in the judged result of described first judge module, is stored in described payment information record in pending list.
10. device according to claim 9, is characterized in that, described device also comprises: the second judge module and removing module;
Described second judge module, for judging described payment devices whether accessing Internet according to preset time period timing;
Transceiver module, also in the judged result of described second judge module be described payment devices accessing Internet time, will send based on the payment information in described pending list the request directly settled accounts to described settlement management center;
Described removing module, for deleting the corresponding payment information in described pending list after receiving the payment successful information that returns of described management settlement center.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201310362437.5A CN104424560A (en) | 2013-08-19 | 2013-08-19 | E-payment method and device |
| PCT/CN2014/077604 WO2014187266A1 (en) | 2013-08-19 | 2014-05-15 | Electronic payment method and device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201310362437.5A CN104424560A (en) | 2013-08-19 | 2013-08-19 | E-payment method and device |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN104424560A true CN104424560A (en) | 2015-03-18 |
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201310362437.5A Pending CN104424560A (en) | 2013-08-19 | 2013-08-19 | E-payment method and device |
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| Country | Link |
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| CN (1) | CN104424560A (en) |
| WO (1) | WO2014187266A1 (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108062800A (en) * | 2017-12-22 | 2018-05-22 | 北京奇虎科技有限公司 | A kind of public transport charging method and device |
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| CN1983322A (en) * | 2005-12-18 | 2007-06-20 | 李代青 | Information service system, user terminal device, service supplier terminal device and webstation system |
| CN101110113A (en) * | 2007-08-10 | 2008-01-23 | 魏恺言 | Multi-use safety device for computing electronic payment code and its generating method |
| CN102984698A (en) * | 2011-09-06 | 2013-03-20 | 中兴通讯股份有限公司 | Near field communication safety protection method and mobile communication terminal |
| CN103065240A (en) * | 2013-01-11 | 2013-04-24 | 中兴通讯股份有限公司 | Mobile payment processing method and system |
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- 2013-08-19 CN CN201310362437.5A patent/CN104424560A/en active Pending
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| CN1983322A (en) * | 2005-12-18 | 2007-06-20 | 李代青 | Information service system, user terminal device, service supplier terminal device and webstation system |
| CN101110113A (en) * | 2007-08-10 | 2008-01-23 | 魏恺言 | Multi-use safety device for computing electronic payment code and its generating method |
| CN102984698A (en) * | 2011-09-06 | 2013-03-20 | 中兴通讯股份有限公司 | Near field communication safety protection method and mobile communication terminal |
| CN103065240A (en) * | 2013-01-11 | 2013-04-24 | 中兴通讯股份有限公司 | Mobile payment processing method and system |
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| CN108062800A (en) * | 2017-12-22 | 2018-05-22 | 北京奇虎科技有限公司 | A kind of public transport charging method and device |
Also Published As
| Publication number | Publication date |
|---|---|
| WO2014187266A1 (en) | 2014-11-27 |
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