CN104751331A - One-code multi-purpose expense payment method and payment system thereof - Google Patents
One-code multi-purpose expense payment method and payment system thereof Download PDFInfo
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- CN104751331A CN104751331A CN201510137619.1A CN201510137619A CN104751331A CN 104751331 A CN104751331 A CN 104751331A CN 201510137619 A CN201510137619 A CN 201510137619A CN 104751331 A CN104751331 A CN 104751331A
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Abstract
The invention discloses a one-code multi-purpose expense payment method and a payment system thereof. The one-code multi-purpose expense payment method comprises that a charging system generates a two-dimension code which is used for scanning payment, a consumer scans the two-dimension code through any payment software which is installed on an intelligent hand-held terminal to establish connection between the payment software and the charging system; the charging system intelligent identify the payment software which is used for scanning the two-dimension code and relates a network payment service center to which the payment software belongs; the charging system establishes connection with the network payment service center according to an identification result, the consumer operates the payment software to achieve the payment operation through the connection established between the charging system and the network payment service center, and the network payment service center transfers expenses paid by the consumer to a charger.
Description
Technical field
The invention belongs to internet reimbursement of expense technical field, be specifically related to a kind of one yard of multiplex reimbursement of expense method and payment system thereof.
Background technology
Along with development and the application of the technology such as internet, mobile payment, for being applicable to the purposes such as various network businessman, online trading, electronic transaction, (movement) internet payment has become a kind of conventional means of payment, its moment on each large electric business's platform, each large Internet of Things payment platform has a large amount of transaction and is carrying out, the electric business such as such as Taobao, Jingdone district, Amazon, and Alipay, wealth pay the payment platforms such as the payment of logical, micro-letter, QQ payment.
Traditional internet payment means, such as, after above-mentioned electric business or payment platform submit purchase order to, electric business or platform itself can provide the payment approach of multiple channel, for selecting oneself conventional payment approach for consumer; The channel of disbursement provided can link to each platform possessing greatly financial payment function and complete payment, such as, opened each big bank and the Third-party payment platform such as Alipay, wealth Fu Tong of network payment function.Wherein Problems existing is, the payment channel of each large electric business, bank paying platform and Third-party payment platform is incompatible, each other can not compatible processing, numerous channel of disbursement for selecting makes consumer confusing, consuming time and convenient not, time particularly network signal is not good, consumption experience is very inconvenient.
Consumption place at present under some lines, also starts to abandon single traditional cash successively and payment of swiping the card, changes compatible internet payment into, namely complete payment on the internet, obtain corresponding commodity or enjoy respective service in entity place.
But, wherein still foregoing problems can be run into, namely the internet payment instrument usually used due to each consumer differs, the channel of disbursement that each businessman provides is unavoidable incomplete, namely enablely provide each main flow channel of disbursement comprehensively, also easily cause the confusion of management and, the payment experience sense of consumer finally can be made not good, affect extensive and long-term popularization and the use of this novel modes of payments.
Summary of the invention
The object of the invention is to solve deficiency of the prior art, design a kind of one yard of multiplex reimbursement of expense method and payment system, method of payment of the present invention and payment system substantially increase the Quality of experience of consumer's on-line payment.
For realizing one of technical scheme that object of the present invention adopts be: a kind of one yard of multiplex reimbursement of expense method, Fare Collection System generates the Quick Response Code for scanning payment, consumer utilizes the arbitrary money payment software be installed on intelligent hand-held terminal to scan Quick Response Code, sets up the connection between payment software and Fare Collection System; Fare Collection System Intelligent Recognition consumer use the type of payment software, and set up the connection with internet payment service centre belonging to this payment software, consumer completes reimbursement of expense by the connection of setting up with internet payment service centre; The type of the multiple payment software of described Fare Collection System identifiable design.
Method of payment specific works workflow of the present invention is, controlled to generate the Quick Response Code for scanning payment by Fare Collection System, consumer utilizes the arbitrary money payment software be installed on intelligent hand-held terminal to scan Quick Response Code, sets up the connection between payment software and Fare Collection System; The payment software that Fare Collection System Intelligent Recognition scanning Quick Response Code uses, and associate the internet payment service centre belonging to this payment software; Fare Collection System sets up the connection with associated internet payment service centre according to the result identified, consumer operates payment software and completes reimbursement of expense by the connection that Fare Collection System and internet payment service centre set up and operate, and the expense that consumer pays is given to payment collector by internet payment service centre.
Preferably, described payment software is Alipay, wealth pays logical, micro-letter, QQ or quick payment software; The server that be positioned at internet far-end of described internet payment service centre belonging to payment software.Described payment software is installed on intelligent hand-held terminal.
Preferably, the software that is installed on intelligent hand-held terminal on of described payment software for being provided by bank; The backstage payment system of bank belonging to this software of described internet payment service centre.
Preferably, described payment software is online store client; Described internet payment service centre is the electronic-monetary system that this online store carries.Described payment software is installed on intelligent hand-held terminal.
Preferably, described online store client comprises Taobao, sky cat, store, Jingdone district, Yi Xun net, Suning easily purchase, Amazon, Dangdang.com, shop, U.S. group's net or Baidu's glutinous rice net.
Preferably, described internet payment service centre carries electronic-monetary system, and this electronic-monetary system is different from the backstage payment system of bank; Described payment software, by behind Fare Collection System connecting Internet payment services center, directly uses electronic money to complete payment, or to be withdrawn deposit by electronic money by Fare Collection System complete payment to bank card.
Preferably, described intelligent hand-held terminal is by wireless network connecting Internet, and described intelligent hand-held terminal is mobile phone or panel computer.
Preferably, described Fare Collection System is the order payment system in parking lot fee collection management system, super market checkout system, self-service payment terminal machine, Self-help vending machine or shop, website.
Preferably, described Fare Collection System carries out dynamic charging to the spending amount that described Quick Response Code associates, the required spending amount paid of Dynamic Announce on intelligent hand-held terminal.
For realize the technical scheme that object of the present invention adopts two are: a kind of payment system applying above-mentioned reimbursement of expense method, comprise Fare Collection System and intelligent hand-held terminal, described Fare Collection System is for generating the Quick Response Code paid for intelligent hand-held terminal scanning, intelligent hand-held terminal is provided with payment software, and intelligent hand-held terminal is connected by payment software scanning Quick Response Code and described Fare Collection System; The type of Fare Collection System Intelligent Recognition payment software, and setting up and the connection of internet payment service centre belonging to described payment software, consumer completes reimbursement of expense by the connection of setting up with internet payment service centre; The type of the multiple payment software of described Fare Collection System identifiable design.
Accompanying drawing explanation
Fig. 1 is the schematic flow sheet of the method for payment of the embodiment of the present invention one
Fig. 2 is the schematic flow sheet of the method for payment of the embodiment of the present invention two
Embodiment
Below in conjunction with accompanying drawing, the specific embodiment of the present invention is described further:
Embodiment one:
As shown in Figure 1, the reimbursement of expense method that the present embodiment one yard is multiplex, consumer when selecting or obtain commodity clearing, selection or when obtaining service clearing, generate Quick Response Code for scanning payment by Fare Collection System according to spending amount; Consumer utilizes the arbitrary money payment software be installed on intelligent hand-held terminal to scan Quick Response Code, sets up the connection between payment software and Fare Collection System; Fare Collection System can Intelligent Recognition consumer use the type of payment software, and set up the connection with internet payment service centre (consumer channel) belonging to this payment software; Consumer has continued payment by the internet payment service centre operation payment software connected.
Described payment software has consumption and payment function, it can be any one in following software: Alipay, wealth are paid logical, micro-letter, QQ, fast to be paid, software that bank provides, and Taobao, sky cat, store, Jingdone district, Yi Xun net, Suning easily purchase, Amazon, Dangdang.com, shop, the U.S. group online store such as net and Baidu's glutinous rice net cell-phone customer terminal.
The server-centric system that be positioned at internet far-end of described internet payment service centre belonging to payment software, internet payment service centre such as belonging to Alipay cell-phone customer terminal is the payment system of Alipay company, and the internet payment service centre belonging to Bank of China's Mobile phone payment client is the backstage payment system etc. of Bank of China.
Embodiment two:
As shown in Figure 2, the reimbursement of expense method that a yard of the present embodiment is multiplex, described Fare Collection System is parking lot fee collection management system, and consumption service is the parking service in parking lot.
When this method is applied to Car park payment service, car owner, at the entrance in parking lot, obtains the card being printed on Quick Response Code by gate, and the Quick Response Code on card is controlled to generate by the charging administration system in parking lot, and this Quick Response Code is used for paying for mobile phone or panel computer scanning; And vehicle is when admission, the information of vehicle, comprises license plate number, by parking lot fee collection management system be associated to the Quick Response Code that generates.
Car owner drives after admission, and parking lot fee collection management system starts dynamic charging according to expenses standard and down time.
Car owner, before picking up the car and leaving the theatre, can be scanned Quick Response Code and pay Parking Fee by I or other people in arbitrary place; Also by internet, the two-dimension code image on card is issued on the mobile phone of third party people, allow it can pay Parking Fee for car owner.
When scanning Quick Response Code and paying parking fee, by the arbitrary money payment software on mobile phone, such as micro-letter, opens sweeping of micro-letter and sweeps, scan Quick Response Code, and when scanning completes, mobile phone is established a connection by internet and parking lot fee collection management system.
After parking lot fee collection management system receives the signal that mobile telephone scanning Quick Response Code sends, send the consumption information of current parking on the one hand to mobile phone, the such as amount of money, down time, license plate number etc.; On the other hand, parking lot fee collection management system goes out the type (the present embodiment is micro-letter) of the software of this Quick Response Code of scanning according to the sweep signal Intelligent Recognition received, and is connected with the internet payment service centre by the micro-letter under company management of Tengxun.
Mobile phone shows the consumption information needing to pay, after disburser continues operation payment software completes payment, the internet payment service centre of micro-letter sends the signal paid to parking lot fee collection management system, and the expense of payment is given in the account of parking lot owner.
After parking lot fee collection management system receives and pays successful signal, be the state that can let pass by the marking of cars paid associated by Quick Response Code, car owner can drive to leave the theatre.
Parking lot fee collection management system serves the function of transfer and parsing in the management of Quick Response Code, achieves one yard of multiplex object.Namely the Quick Response Code on car owner institute card taking sheet can complete scanning by arbitrary money payment software and pay, thus solves the problem that each payment software fights separately, and such as, the consumption Quick Response Code generated by Alipay, it is have more than is needed for going to scan with micro-letter.
The method of payment of the present embodiment, when scanning Quick Response Code, can select to pay immediately, can also select to continue on mobile phone, dynamically observe consumption information.
Certainly, parking lot fee collection management system, after car owner completes payment, also can arrange one section of leaving time, such as 15 minutes, and car owner leaves the theatre in after payment 15 minutes.So facilitate car owner namely to complete payment before not arriving parking lot, and not be used in busy parking lot or go out lock place and do to pay action, the picking up the car of car owner, leaving time can be reduced effectively, at large, and improve the operational efficiency in parking lot.
The present invention is applied to other Fare Collection Systems, and such as the order payment system etc. in super market checkout system, self-service payment terminal machine, Self-help vending machine or shop, website, also has the advantage described in above-described embodiment.
The announcement of book and instruction according to the above description, those skilled in the art in the invention can also change above-mentioned embodiment and revise.Therefore, the present invention is not limited to embodiment disclosed and described above, also should fall in the protection domain of claim of the present invention modifications and changes more of the present invention.In addition, although employ some specific terms in this instructions, these terms just for convenience of description, do not form any restriction to the present invention.
Claims (10)
1. one kind one yard multiplex reimbursement of expense method, it is characterized in that, Fare Collection System generates the Quick Response Code for scanning payment, and consumer utilizes the arbitrary money payment software be installed on intelligent hand-held terminal to scan Quick Response Code, sets up the connection between payment software and Fare Collection System; Fare Collection System Intelligent Recognition consumer use the type of payment software, and set up the connection with internet payment service centre belonging to this payment software, consumer completes reimbursement of expense by the connection of setting up with internet payment service centre; The type of the multiple payment software of described Fare Collection System identifiable design.
2. one yard of multiplex reimbursement of expense method according to claim 1, is characterized in that, described payment software is Alipay, wealth pays logical, micro-letter, QQ or quick payment software; The server that be positioned at internet far-end of described internet payment service centre belonging to payment software.
3. one yard of multiplex reimbursement of expense method according to claim 1, is characterized in that, the software that is installed on intelligent hand-held terminal on of described payment software for being provided by bank; The backstage payment system of bank belonging to this software of described internet payment service centre.
4. one yard of multiplex reimbursement of expense method according to claim 1, it is characterized in that, described payment software is online store client; Described internet payment service centre is the electronic-monetary system that this online store carries.
5. one yard of multiplex reimbursement of expense method according to claim 4, it is characterized in that, described online store client comprises Taobao, sky cat, store, Jingdone district, Yi Xun net, Suning easily purchase, Amazon, Dangdang.com, shop, U.S. group's net or Baidu's glutinous rice net.
6. one yard according to claim 1 or 4 multiplex reimbursement of expense method, it is characterized in that, described internet payment service centre carries electronic-monetary system, and this electronic-monetary system is different from the backstage payment system of bank; Described payment software, by behind Fare Collection System connecting Internet payment services center, directly uses electronic money to complete payment, or to be withdrawn deposit by electronic money by Fare Collection System complete payment to bank card.
7. one yard of multiplex reimbursement of expense method according to claim 1, is characterized in that, described intelligent hand-held terminal is by wireless network connecting Internet, and described intelligent hand-held terminal is mobile phone or panel computer.
8. one yard of multiplex reimbursement of expense method according to claim 1, is characterized in that, described Fare Collection System is the order payment system in parking lot fee collection management system, super market checkout system, self-service payment terminal machine, Self-help vending machine or shop, website.
9. one yard of multiplex reimbursement of expense method according to claim 1, it is characterized in that, described Fare Collection System carries out dynamic charging to the spending amount that described Quick Response Code associates, the required spending amount paid of Dynamic Announce on intelligent hand-held terminal.
10. the payment system of reimbursement of expense method described in application rights requirement 1 to 9 any one, it is characterized in that, comprise Fare Collection System and intelligent hand-held terminal, described Fare Collection System is for generating the Quick Response Code paid for intelligent hand-held terminal scanning, intelligent hand-held terminal is provided with payment software, and intelligent hand-held terminal is connected by payment software scanning Quick Response Code and described Fare Collection System; The type of Fare Collection System Intelligent Recognition payment software, and setting up and the connection of internet payment service centre belonging to described payment software, consumer completes reimbursement of expense by the connection of setting up with internet payment service centre; The type of the multiple payment software of described Fare Collection System identifiable design.
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| CN201510137619.1A CN104751331B (en) | 2015-03-26 | 2015-03-26 | A kind of one yard multi-purpose reimbursement of expense method and its payment system |
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| CN201510137619.1A CN104751331B (en) | 2015-03-26 | 2015-03-26 | A kind of one yard multi-purpose reimbursement of expense method and its payment system |
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| CN104751331B CN104751331B (en) | 2018-07-24 |
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Cited By (16)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN104978769A (en) * | 2015-07-08 | 2015-10-14 | 北京车行神州科技有限公司 | Electronic parking fee central payment method based on cell phone terminal |
| CN105225344A (en) * | 2015-10-19 | 2016-01-06 | 江门市东吉五金制品有限公司 | A kind of automatic vending machine electronic fare payment system and method for payment thereof |
| CN105844803A (en) * | 2016-03-25 | 2016-08-10 | 曹准 | Electric vehicle charging pile inter-APP charging system mobile phone APP realization method |
| CN105913245A (en) * | 2015-10-23 | 2016-08-31 | 乐视网信息技术（北京）股份有限公司 | Internet payment method, device and server |
| CN106296169A (en) * | 2016-07-29 | 2017-01-04 | 宇龙计算机通信科技(深圳)有限公司 | A kind of method of payment based on NFC and device |
| CN106920088A (en) * | 2017-01-24 | 2017-07-04 | 深圳市广和通无线股份有限公司 | Method of payment and device |
| CN107644461A (en) * | 2017-10-20 | 2018-01-30 | 苏州市华信信息技术有限公司 | A kind of method applied to different parking lot management softwares based on screen picture identification |
| CN107730223A (en) * | 2017-10-27 | 2018-02-23 | 聚诚（深圳）网络科技有限公司 | It is a kind of to polymerize the system and method paid |
| WO2018035641A1 (en) * | 2016-08-21 | 2018-03-01 | 易晓阳 | Payment method using two-dimensional code identification by handheld terminal in parking lot |
| CN109118206A (en) * | 2018-08-14 | 2019-01-01 | 北京超级美科技有限公司 | A kind of cosmetic industry delivery operation system |
| CN110070745A (en) * | 2018-01-22 | 2019-07-30 | 丰田自动车株式会社 | Auxiliary system is looked in position |
| CN110084575A (en) * | 2018-01-26 | 2019-08-02 | 北京云点联动科技发展有限公司 | A kind of method of payment of two dimensional code fast and stable |
| CN110099125A (en) * | 2019-05-10 | 2019-08-06 | 拉扎斯网络科技（上海）有限公司 | Message switching method, device, electronic equipment and computer readable storage medium |
| CN110276608A (en) * | 2019-06-28 | 2019-09-24 | 中至数据集团股份有限公司 | Payment processing method, device, readable storage medium storing program for executing and computer equipment |
| CN113191759A (en) * | 2021-04-16 | 2021-07-30 | 西安艾润物联网技术服务有限责任公司 | Parking fee payment method of digital currency, terminal device and readable storage medium |
| CN113643084A (en) * | 2020-04-27 | 2021-11-12 | 无锡京阳智能科技中心 | One-object one-code and one-code multi-purpose cloud code operation system |
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Cited By (19)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104978769A (en) * | 2015-07-08 | 2015-10-14 | 北京车行神州科技有限公司 | Electronic parking fee central payment method based on cell phone terminal |
| CN104978769B (en) * | 2015-07-08 | 2018-11-23 | 北京车行神州科技有限公司 | One kind realizing parking fee electronic central payment system based on mobile phone terminal |
| CN105225344A (en) * | 2015-10-19 | 2016-01-06 | 江门市东吉五金制品有限公司 | A kind of automatic vending machine electronic fare payment system and method for payment thereof |
| CN105913245A (en) * | 2015-10-23 | 2016-08-31 | 乐视网信息技术（北京）股份有限公司 | Internet payment method, device and server |
| CN105844803A (en) * | 2016-03-25 | 2016-08-10 | 曹准 | Electric vehicle charging pile inter-APP charging system mobile phone APP realization method |
| CN105844803B (en) * | 2016-03-25 | 2019-02-22 | 曹准 | A kind of cell phone application implementation method of the electric automobile charging pile across application charging system |
| CN106296169A (en) * | 2016-07-29 | 2017-01-04 | 宇龙计算机通信科技(深圳)有限公司 | A kind of method of payment based on NFC and device |
| WO2018035641A1 (en) * | 2016-08-21 | 2018-03-01 | 易晓阳 | Payment method using two-dimensional code identification by handheld terminal in parking lot |
| CN106920088A (en) * | 2017-01-24 | 2017-07-04 | 深圳市广和通无线股份有限公司 | Method of payment and device |
| CN107644461A (en) * | 2017-10-20 | 2018-01-30 | 苏州市华信信息技术有限公司 | A kind of method applied to different parking lot management softwares based on screen picture identification |
| CN107730223A (en) * | 2017-10-27 | 2018-02-23 | 聚诚（深圳）网络科技有限公司 | It is a kind of to polymerize the system and method paid |
| CN110070745A (en) * | 2018-01-22 | 2019-07-30 | 丰田自动车株式会社 | Auxiliary system is looked in position |
| CN110084575A (en) * | 2018-01-26 | 2019-08-02 | 北京云点联动科技发展有限公司 | A kind of method of payment of two dimensional code fast and stable |
| CN109118206A (en) * | 2018-08-14 | 2019-01-01 | 北京超级美科技有限公司 | A kind of cosmetic industry delivery operation system |
| CN110099125A (en) * | 2019-05-10 | 2019-08-06 | 拉扎斯网络科技（上海）有限公司 | Message switching method, device, electronic equipment and computer readable storage medium |
| CN110099125B (en) * | 2019-05-10 | 2021-09-28 | 拉扎斯网络科技（上海）有限公司 | Information switching method and device, electronic equipment and computer readable storage medium |
| CN110276608A (en) * | 2019-06-28 | 2019-09-24 | 中至数据集团股份有限公司 | Payment processing method, device, readable storage medium storing program for executing and computer equipment |
| CN113643084A (en) * | 2020-04-27 | 2021-11-12 | 无锡京阳智能科技中心 | One-object one-code and one-code multi-purpose cloud code operation system |
| CN113191759A (en) * | 2021-04-16 | 2021-07-30 | 西安艾润物联网技术服务有限责任公司 | Parking fee payment method of digital currency, terminal device and readable storage medium |
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