CN106022759A - Electronic payment method supporting multiple accounts - Google Patents

Electronic payment method supporting multiple accounts Download PDF

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Publication number
CN106022759A
CN106022759A CN201610440539.8A CN201610440539A CN106022759A CN 106022759 A CN106022759 A CN 106022759A CN 201610440539 A CN201610440539 A CN 201610440539A CN 106022759 A CN106022759 A CN 106022759A
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CN
China
Prior art keywords
payment
account
background system
user
pay
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Pending
Application number
CN201610440539.8A
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Chinese (zh)
Inventor
才华
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
China Unionpay Co Ltd
Original Assignee
China Unionpay Co Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by China Unionpay Co Ltd filed Critical China Unionpay Co Ltd
Priority to CN201610440539.8A priority Critical patent/CN106022759A/en
Publication of CN106022759A publication Critical patent/CN106022759A/en
Priority to PCT/CN2017/083711 priority patent/WO2017219774A1/en
Priority to TW106117236A priority patent/TW201800991A/en
Pending legal-status Critical Current

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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
    • G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer
    • 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

Abstract

The invention relates to an electronic payment method supporting multiple accounts. The method includes a setting link and a payment link. The setting link includes the following steps that: a backstage system distributes unique identifiers for users; and the backstage system generates at least one payment account corresponding to the unique identifiers and payment rules corresponding to the unique identifiers for the users. The payment link includes the following steps that: current users interact with a service acceptance terminal through handheld smart phones, and the service acceptance terminal reports the service data of current payment to the backstage system; the background system determines the service scenes of the current payment according to the service data and determines an applicable account list according to the payment rules corresponding to the unique identifiers of the current users; and the backstage system completes the payment by using the applicable account list based on the payment rules. With the electronic payment method adopted, safe and reliable payment can be realized, and at the same time, the users can conveniently use a plurality of accounts to carry out collaborative payment under different service scenes.

Description

Support the electric paying method of many accounts
Technical field
The present invention relates to pay technical field by mails.
Background technology
Paying by mails the today being increasingly becoming the main flow means of payment, the safety of payment is all user and business with convenience Family focus of attention.
, often there is the disbursement account of an acquiescence in the existing means of payment.When customer consumption pays, from this acquiescence Disbursement account is withholdd, when Sorry, your ticket has not enough value for this account, corresponding prompting frame can be ejected, and this payment cannot complete.At this moment use Family needs to manually select or arrange another disbursement account, completes transaction.This disagreeableness mode uses to user and brings Inconvenience.
Additionally, when user consumes in medical institutions, there is a strong possibility need partial consumption from medical insurance card bill payment, and Remaining consumption pays from bank card account；When user's shopping on the web, needing part to pay from reward voucher, part is from bank card Account pays, etc.；Under various different business scenarios, user needs to operate various different disbursement account respectively and completes Transaction, is also comparatively laborious.
Therefore, those skilled in the art expect to obtain a kind of can be suitable for various different business scene, support many accounts Electric paying method.
Summary of the invention
It is an object of the invention to provide a kind of safe and reliable electric paying method, it is suitable for various different business scene And support the collaborative payment of multiple disbursement account.
For achieving the above object, the present invention provides a kind of technical scheme as follows:
A kind of electric paying method supporting many accounts, including: link is set, comprises the steps: a), background system is user Distribution uniquely identifies and is issued to the smart mobile phone that user is held；B), background system be user generate with uniquely mark corresponding At least one disbursement account and the payment rule corresponding with unique mark, each under wherein payment rule is defined on miscellaneous service scene The payment priority of disbursement account and/or Payment Proportion；And payment link, comprise the steps: c), active user passes through institute Hold smart mobile phone and service handling terminal and carry out data interaction to pay, the business number that this is paid by service handling terminal According to reporting to background system；D), background system determines this business scenario paid based on business datum, and uses based on current The payment rule that unique mark at family is corresponding determines that one is suitable for account's list, is wherein suitable for account's list and includes with active user's Unique that identify correspondence, business scenario that be applicable to this payment, by the information of each disbursement account paying priority arrangement； E), background system selects at least one disbursement account to complete to pay from applicable account's list.
Preferably, being uniquely designated virtual token, card number information or the identity of user are believed by virtual token by background system Breath uses dispersion factor to disperse and generate.
Preferably, business scenario is defined by background system.
Preferably, corresponding with unique mark of user payment rule is by background system based on business scenario and with this only At least one disbursement account of one mark correspondence automatically generates.
Preferably, background system is disposed based on cloud computing platform.
The electric paying method of the many accounts of support that various embodiments of the present invention provide, same realize paying safely and reliably Time, also allow users under different business scene, be conveniently used multiple disbursement account and work in coordination with payment；Especially, it is not Need user that payment rule one by one, is manually set for miscellaneous service scene, and can be automatically generated by background system various Payment rule under business scenario, this has been obviously improved Consumer's Experience.
Accompanying drawing explanation
Fig. 1 illustrates the flow chart of the electric paying method of the many accounts of support that one embodiment of the invention provides.
Detailed description of the invention
As it is shown in figure 1, one embodiment of the invention provides a kind of electric paying method supporting many accounts, the method includes setting Put link and pay link.Wherein, arranging link, multiple users can interact with background system respectively, arranges each use The disbursement account at family and the payment rule of customization individual；Pay link, active user consumes, by smart mobile phone with Mutual and the service handling terminal of service handling terminal completes specifically to pay with the data interaction of background system.
Arrange link to comprise the steps:
Step S10, background system distribute by user and uniquely identify and be issued to the smart mobile phone that user is held.
By being respectively allocated unique mark for all multi-users, background system is capable of identify that multiple user, and distinguishes with them Interact.The unique mark distributed is issued on the smart mobile phone that each user is held storage by background system.
Wherein, smart mobile phone can use host card analogue technique (HCE technology) to arrange a virtual card, is used for storing this Unique mark.
Further, smart mobile phone be uniquely designated a kind of virtual token.Specifically, user by being held intelligence hands After machine and background system carry out initialized data interaction, background system to the card number information of user or identity information with dispersion because of Son disperses, to generate corresponding virtual token.Dispersion factor can use current date information, temporal information etc..Preferably In the case of, background system can also carry out regular update to each unique mark, to protect uniquely identified safety.
Step S11, background system be user generate uniquely mark is corresponding with it at least one disbursement account and with uniquely The payment rule that mark is corresponding.
Wherein, payment rule is defined on payment priority and/or the Payment Proportion of each disbursement account under miscellaneous service scene, And business scenario is generally defined by background system.
By this step S11, on the one hand, each user can customize the payment rule of oneself hobby respectively.
On the other hand, according to a specific embodiment of the present invention, business scenario includes multiple, such as: medical payment field Scape, pharmacy pay scene, market supermarket shopping scene and shopping at network scene.
It is appreciated that same user, in different payment scenes, may use different payment scheme, make it obtain The highest preferential.
Such as, in medical payment scene, user needs the part payment amount of money from medical insurance account, then from its "their" deposit of individual Family (bank account) pays remaining sum.In the supermarket shopping scene of market, user priority uses reward voucher to pay, with After again with individual other accounts supplement pay remaining sum.In shopping at network scene, user may need which kind of is first inquired about and prop up The mode of paying for oneself bringing the preferential of top, and then can select this means of payment to pay.Possible payer Formula also includes paying the first stroke amount of money with virtual account (wherein storage have ideal money), paying the from Bank One Corp. card Two amount of money, from secondary bank card, pay the remaining amount of money again, etc..
Be appreciated that the above-mentioned generation behavior of background system realizes in the case of interacting with user, with Before family enters into payment link, user first interacts with background system with smart mobile phone, inputs propping up of the possible use of this user Pay account information to complete the binding of disbursement account, can select according to the information of background system or the configuration page further Select and/or arrange its payment rule wanted.Disbursement account information that user is inputted by background system and be provided with Pay rule to be stored in the server of background system, data base or memory element.
Specifically, under payment rule is typically included in various payment scene, the payment priority of each disbursement account, pay ratio Example.
Further, payment rule can also define each disbursement account payment priority for the various different item of payments And/or Payment Proportion.The item of payment such as includes various different classification such as laboratory fee, at one's own expense medicine, allowable medicine etc..
Such as, in medical payment scene, medical insurance card account is arranged for the most preferably account paid, i.e. medical insurance Card account possesses first (the highest) and pays priority.In shopping at network scene, virtual account is set and possesses first (the highest) Paying priority, arranging Construction Bank's credit card is that second (second highest) pays priority, and arranging Pudong Development Bank's debit card is the 3rd ( Low) pay priority.The most such as, Payment Proportion is current consumption volume the 70% of the first account can be arranged, the payment of the second account Ratio is the 30% of current consumption volume.The most such as, medical insurance card account possesses the highest payment priority to laboratory fee, Payment Proportion is 100%, to medical instrument at one's own expense for minimum payment priority (being 0), credit card account to medical instrument at one's own expense for limit priority, payment Ratio corresponds to the High Availabitity amount of this credit card account, etc..
When carrying out real trade and paying, with continued reference to Fig. 1, pay link and comprise the steps:
Step S20, active user carry out data interaction to pay by held smart mobile phone and service handling terminal, business The business datum that this is paid by accepting terminal reports to background system.
Specifically, active user holds smart mobile phone and service handling terminal carries out real trade payment, service handling terminal Obtain storage, user unique mark on smart mobile phone.Such as, real trade payment may be via smart mobile phone and POS Between initiate alternately, after POS obtains unique mark of user, subsequently by this uniquely mark pay together with this other Business datum reports to background system.
Under preferable case, smart mobile phone can use NFC technique (such as, including NFC communication unit) to come and such as POS Service handling terminal carry out data interaction.
This business datum paid includes, but is not limited to, unique mark (or virtual token) of active user, trade company's mark Know (be used for distinguish such as medical treatment trade company, medicine trade company etc.), exchange hour, place, the item of payment (such as, laboratory fee, at one's own expense Medicine, allowable medicine etc.) and the amount of consumption.
Step S21, background system determine this business scenario paid based on business datum, and based on active user's The payment rule of unique mark correspondence determines that one is suitable for account's list.
Wherein, it is suitable for account's list and includes corresponding with unique mark of active user, to be applicable to this payment business Scene, by the information of each disbursement account paying priority arrangement.
Specifically, background system obtains this business datum paid, the industry paid based on this from business accepting terminal Business data, background system can determine the business scenario paid corresponding to this, such as, is medical payment scene, or market Supermarket shopping scene, or other more specifically scenes.
As it has been described above, background system unique mark (or virtual token) based on the active user comprised in business datum, Can determine at least one disbursement account information and the identity information of active user, and then, background system can the most currently be used The payment rule that family is arranged, can determine the payment under miscellaneous service scene of each disbursement account of active user from payment rule Priority and/or Payment Proportion.By uniquely mark mate with disbursement account information, payment rule after, background system Can determine applicable account's list, this list records current pay that can be used under scene to pay, each of active user Pay account information.It is suitable for account's list and generally can carry out descending by the payment priority of each disbursement account.
Step S22, background system select at least one disbursement account to complete to pay from applicable account's list.
Specifically, first, background system is based on payment rule, and during calculating is suitable for account's list automatically, each disbursement account is each The required amount of money paid；Counted accordingly it follows that background system uses each disbursement account in applicable account's list to pay respectively Calculate the amount of money.
Such as, it is suitable for account's list determined by previous step to include paying the first the highest account of priority, payment The second account that priority is second highest and pay the 3rd account that priority is minimum.Background system comes automatically based on payment rule Calculating to determine: the first account needs to pay the first stroke amount of money, the second account needs to pay second amount of money, and the 3rd account needs Pay the 3rd amount of money.
And then, background system can select the first account to carry out actual delivery the first stroke amount of money, and reselection the second account comes real Border pays second amount of money, and selects the 3rd account to carry out the 3rd amount of money of actual delivery.First, second, third amount of money Summation constitutes the payment that this transaction is total.
Above-mentioned payment process is real in the data exchange process between background system and active user, service handling terminal Existing.
When a certain specific payment account need user input trading password just can pay time, background system can to work as Unique mark of front user is updated, or issues new virtual token to it, after updating or having issued, has been further continued for Become to use the payment of this specific payment account.
Under preferable case, background system is disposed based on cloud computing platform.
It is appreciated that, although the electric paying method that above-described embodiment provides is illustrated as including arranging link and paying ring Joint, but according to the thought of the present invention, following electric paying method is also the most predictable:
A, after initially completing once to arrange link, the follow-up each transaction of user is all no longer necessary to entrance and arranges link, and straight Tap into row and pay link；
B, in any step paid or stage, user can suspend actual delivery, and call and arrange link and reset The disbursement account of its hobby and payment rule, after the setup, be further continued for actual delivery.
The electric paying method of the various embodiments described above, while realizing paying safely and reliably, also allows users to Under different business scene, it is conveniently used multiple disbursement account works in coordination with payment.
According to another embodiment of the present invention, payment rule need not user and arranges one by one for various payment scenes, and Directly set according to certain statistic algorithm, evaluation algorithms or neutral net by background system.
In such an embodiment, background system adds up various payment scenes (paying scene still to be defined) by background system Under, the payment scheme (being different from payment rule) that some users of early stage registration (obtaining unique mark) are generally selected, and according to Statistical data carries out data analysis, through evaluation algorithms or neutral net to generate acquiescence payment scheme, it can be considered as mostly The preferred payment scheme of number user.Wherein, payment scheme does not include the disbursement account information of specific user, and will pay only roughly Account is divided into virtual account, credit card account, debit-card account etc., and payment scheme also should include virtual account, credit card account The payment priority of family, debit-card account correspondence respectively or Payment Proportion.
Background system is then able to combine the disbursement account information set by later stage registration (obtaining unique mark) user, comes Generate the payment rule corresponding to this user, and then recommend to this user or be directly suitable for.
Even if being appreciated that background system automatically generates acquiescence payment rule, each specific user can also be by with rear Platform system come alternately to change or customize the acquiescence payment rule being applicable to this user at any time.Additionally, background system can also root According to the statistical data in the new period, update or optimize acquiescence payment rule.
This improvement project, it is not necessary to user one by one, manually arranges the payment rule of its hobby for miscellaneous service scene Then, it is possible to it is more convenient to bring for user, thus obtains good Consumer's Experience.
Described above is only in the preferred embodiments of the present invention, and does not lies in and limit the scope of the invention.Ability Field technique personnel can make various deformation design, without deviating from thought and the subsidiary claim of the present invention.

Claims (8)

1. support the electric paying method of many accounts, including:
Link is set, comprises the steps:
A), background system distributes by user and uniquely identifies and be issued to the smart mobile phone that described user is held；
B), described background system is that described user generates at least one disbursement account corresponding with described unique mark and with described The payment rule that unique mark is corresponding, wherein said payment rule be defined on each described disbursement account under miscellaneous service scene Pay priority and/or Payment Proportion；And
Pay link, comprise the steps:
C), active user carry out data interaction to pay by held smart mobile phone and service handling terminal, described business The business datum that this is paid by accepting terminal reports to described background system；
D), described background system determines this business scenario paid described based on described business datum, and works as based on described The described payment rule that unique mark of front user is corresponding determines that one is suitable for account's list, and wherein said applicable account's list includes Corresponding with unique mark of described active user, that be applicable to this business scenario paid described, preferential by described payment Disbursement account described at least the one of level arrangement；
E), described background system uses described applicable account's list to complete to pay based on described payment rule.
Electric paying method the most according to claim 1, it is characterised in that the described virtual token that is uniquely designated, described Card number information or the identity information of described user are used dispersion factor to disperse and give birth to by described background system by virtual token Become.
Electric paying method the most according to claim 2, it is characterised in that described background system to described unique identify into Row regular update.
Electric paying method the most according to claim 1, it is characterised in that described business scenario is fixed by described background system Justice.
Electric paying method the most according to claim 4, it is characterised in that unique with described user identifies corresponding institute State payment rule by described background system based on described business scenario and with this uniquely mark corresponding described at least one payment Account automatically generates.
Electric paying method the most according to claim 1, it is characterised in that described step e) specifically includes:
Described background system is based on described payment rule, and in the described applicable account's list of automatic calculating, each described disbursement account is each The required amount of money paid；
Described background system uses each described disbursement account in described applicable account's list to pay corresponding the calculated amount of money respectively.
Electric paying method the most according to claim 1, it is characterised in that described background system comes based on cloud computing platform Dispose.
Electric paying method the most according to any one of claim 1 to 7, it is characterised in that described smart mobile phone includes NFC communication unit, for carrying out data interaction with described service handling terminal.
CN201610440539.8A 2016-06-20 2016-06-20 Electronic payment method supporting multiple accounts Pending CN106022759A (en)

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CN201610440539.8A CN106022759A (en) 2016-06-20 2016-06-20 Electronic payment method supporting multiple accounts
PCT/CN2017/083711 WO2017219774A1 (en) 2016-06-20 2017-05-10 Multi-account supporting electronic payment method
TW106117236A TW201800991A (en) 2016-06-20 2017-05-24 Electronic payment method supporting multiple accounts

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CN106600267A (en) * 2016-12-16 2017-04-26 广东华大互联网股份有限公司 NFC-based medical care payment system and method
CN106651370A (en) * 2016-10-19 2017-05-10 广州三星通信技术研究有限公司 Operation executing method and device of application
WO2017219774A1 (en) * 2016-06-20 2017-12-28 中国银联股份有限公司 Multi-account supporting electronic payment method
CN108429632A (en) * 2017-02-15 2018-08-21 阿里巴巴集团控股有限公司 A kind of business monitoring method and device
CN108596612A (en) * 2018-03-16 2018-09-28 北京仁聚汇通信息科技有限责任公司 A kind of payment transaction management engine, method and system
CN109064156A (en) * 2018-06-29 2018-12-21 拉卡拉汇积天下技术服务（北京）有限公司 Method of payment, device, electronic equipment and storage medium
CN109426951A (en) * 2017-08-31 2019-03-05 广州涌智信息科技有限公司 A kind of online payment method and device
CN109493026A (en) * 2018-11-12 2019-03-19 平安科技（深圳）有限公司 Payment processing method, device, computer equipment and storage medium
CN109670812A (en) * 2018-09-11 2019-04-23 深圳平安财富宝投资咨询有限公司 Method of payment, device, terminal and storage medium
CN109978523A (en) * 2019-04-08 2019-07-05 温化棋 A kind of payment system and method for more finance account fusions
WO2019134591A1 (en) * 2018-01-05 2019-07-11 华为技术有限公司 Electronic transaction method and terminal
CN110111107A (en) * 2019-05-07 2019-08-09 苏州达家迎信息技术有限公司 A kind of method of payment, device, equipment and storage medium
CN111583030A (en) * 2020-05-12 2020-08-25 新分享科技服务(深圳)有限公司 Payment routing method and device
CN112396414A (en) * 2020-11-17 2021-02-23 温化棋 Payment system and method with multiple financial accounts fused

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WO2017219774A1 (en) * 2016-06-20 2017-12-28 中国银联股份有限公司 Multi-account supporting electronic payment method
CN106651370A (en) * 2016-10-19 2017-05-10 广州三星通信技术研究有限公司 Operation executing method and device of application
CN106600267A (en) * 2016-12-16 2017-04-26 广东华大互联网股份有限公司 NFC-based medical care payment system and method
CN108429632A (en) * 2017-02-15 2018-08-21 阿里巴巴集团控股有限公司 A kind of business monitoring method and device
CN108429632B (en) * 2017-02-15 2021-04-27 创新先进技术有限公司 Service monitoring method and device
CN109426951A (en) * 2017-08-31 2019-03-05 广州涌智信息科技有限公司 A kind of online payment method and device
WO2019134591A1 (en) * 2018-01-05 2019-07-11 华为技术有限公司 Electronic transaction method and terminal
CN108596612A (en) * 2018-03-16 2018-09-28 北京仁聚汇通信息科技有限责任公司 A kind of payment transaction management engine, method and system
CN109064156A (en) * 2018-06-29 2018-12-21 拉卡拉汇积天下技术服务（北京）有限公司 Method of payment, device, electronic equipment and storage medium
CN109670812A (en) * 2018-09-11 2019-04-23 深圳平安财富宝投资咨询有限公司 Method of payment, device, terminal and storage medium
CN109493026A (en) * 2018-11-12 2019-03-19 平安科技（深圳）有限公司 Payment processing method, device, computer equipment and storage medium
CN109978523A (en) * 2019-04-08 2019-07-05 温化棋 A kind of payment system and method for more finance account fusions
CN110111107A (en) * 2019-05-07 2019-08-09 苏州达家迎信息技术有限公司 A kind of method of payment, device, equipment and storage medium
CN110111107B (en) * 2019-05-07 2021-10-26 苏州达家迎信息技术有限公司 Payment method, device, equipment and storage medium
CN111583030A (en) * 2020-05-12 2020-08-25 新分享科技服务(深圳)有限公司 Payment routing method and device
CN111583030B (en) * 2020-05-12 2024-03-19 新分享科技服务(深圳)有限公司 Payment routing method and device
CN112396414A (en) * 2020-11-17 2021-02-23 温化棋 Payment system and method with multiple financial accounts fused

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