CN107180341A - A kind of method of payment and corresponding portable terminal, Third-party payment platform - Google Patents
A kind of method of payment and corresponding portable terminal, Third-party payment platform Download PDFInfo
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- CN107180341A CN107180341A CN201710299554.XA CN201710299554A CN107180341A CN 107180341 A CN107180341 A CN 107180341A CN 201710299554 A CN201710299554 A CN 201710299554A CN 107180341 A CN107180341 A CN 107180341A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
- G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
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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
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
- G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
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Abstract
A kind of method of payment, methods described includes, step A, and means of payment A payment times information a is set by Third-party payment platform, adds up the payment times of the means of payment A；Step B, means of payment B payment times information b is set by the Third-party payment platform, adds up the payment times of the means of payment B；Step C, when being paid using the Third-party payment platform, the Third-party payment platform obtains the progressive payment number of times of the means of payment A, if the progressive payment number of times exceedes the payment times information a, is paid using the means of payment B.After technical scheme, user can set the use region of various methods of payment by Third-party payment platform, Business Information, payment times, payment limit etc., various methods of payment are reasonably used, facilitate user, are promoted using user as this payment market competition, it is also convenient for the popularization of different methods of payment and vies each other, technically alleviates dependence of the bank to Third-party payment provider.
Description
Technical field
The present invention relates to a kind of method of payment and corresponding portable terminal, Third-party payment platform.
Background technology
Traditional means of payment is often that direct pay of simple instantaneity turns, and a step is paid.Wherein banknote is settled accounts and bill
The spot exchange face to face of clearing adaptation, can be achieved synchronous exchange；Converge turn remittance in clearing and it is online straight turn to be also that a step is paid, fit
With every face spot exchange, if but faithlessness guarantee or law support, asynchronous exchange can be caused easily to trigger non-equivalence to exchange risk,
Target can not be harvested according to quantity by matter on time, the seller can not receive cost in full on time after first delivering goods after buyer first pays the bill in reality,
It is held off, discount or refuses to pay etc. and to trigger the event of economic dispute to happen occasionally.
Third party is payment funding " halfpace " of the both parties in the case where lacking Credit Guarantee or law support,
Buyer pays payment for goods the third party outside both parties, and third party provides safe transaction service, and it is in receipt and payment that it, which operates essence,
Middle transition account is set up between money people, remittance is turned fund and realizes that controllability is paused, only both sides' opinion, which is reached an agreement, to determine
Determine fund whereabouts.Third party takes on the function of intermediary's keeping and supervision, what risk is not undertaken, so specifically, this is
One kind pays trustship behavior, is ensured by paying trustship and realizing to pay.
Third-party payment is the important component of modern finance service trade, is also China Internet rapid economic development
Base layer support strength and the motive force further developed.Third-party payment platform is not only making up bank service function blank, carries
Had outstanding performance in terms of liter financial transaction efficiency, while being played perfecting modern financial system, improving modern finance function aspects
Important function.With the rise of National Commerce, the payment platform that some information service enterprises are set up also has begun to fine dew
The brilliance, Third-party payment is as new technology, new industry situation, the new industry of new model, with wide market demand prospect.
The Third-party payment product of current China mainly has PayPal（Eachnet Products）, Alipay（Arriba
Under bar）, to draw OK a karaoke club, wealth to pay logical（Tencent, Tengxun pats）, Sheng Futong（Under magnificence）, easy ticket connection pays, easily precious pays
（Yeepay）, fast money（99bill）, it is prompt really precious（It is prompt really easily to pay）State pays treasured（Gopay）, hundred pairs of treasured（Baidu C2C）, logistics it is precious（Net
Up under net）, Netease it is precious（Under Netease）, Net silver online (chinabank, Jingdone district group）, ring it is fast pay, pay to all over the world, converge
It is poly- to pay (joinpay）, precious pay（My payment navigation）.That wherein most number of users is maximum is PayPal and Alipay, the former
Main popular in American-European countries, the latter is product under Ma Yun Alibaba, it is said that ending in July, 2009, Alipay user surpasses
Cross 200,000,000.It is then convenience-for-people financial services provider under Largest In China line to draw OK a karaoke club.Unionpay's e-payment under other China Unionpay
Start Third-party payment of having an effect, be proposed Unionpay's commercial affairs and corresponding financial service is provided.
Third-party payment has outstanding feature：First, Third-party payment platform provides a series of application interface program,
A variety of bank card payments are incorporated on an interface, is responsible in settlement of transactions docking with bank, makes shopping online more
Accelerate prompt, convenient.Consumer and businessman need not open up different accounts in different banks, and consumer can be helped to reduce net
The cost of upper shopping, helps businessman to cut operating costs；At the same time it can also help bank to save gateway development cost, and it is silver
Row brings certain potential profit.Second, Third-party payment platform depends on large-scale portal website in itself, and with collaboration
The credit of bank relied on as credit, therefore the credit that Third-party payment platform can be preferably broken through in online transaction is asked
Topic, is conducive to promoting the fast development of ecommerce.
But, because Third-party payment platform depends on large-scale portal website in itself, possess the bank of good credit very
Easily kidnapped by large-scale portal website, and attached Third-party payment platform must not be disobeyed, had very to the business development of itself
Big restrictive function.
Fig. 1 is existing payment scene.As shown in figure 1, the connection of display screen 1 NFC of all-in-one（Near Field
Communication, near-field communication）Card reader 3, when needing to pay, user mobile phone 4 can scan the Quick Response Code 2 on screen
Complete to pay by wechat payment or Alipay, can also be put by mobile phone 4 or bank card with NFC payment functions etc.
Complete to pay on NFC reader 3.
Bar code payment transaction refers to that member unit applies barcode technology, being provided to client, pass through the mobile terminals such as mobile phone
Realize the behavior that money-capital is shifted between bank settlement people.
Fig. 2 to Fig. 4 is the most common mode of existing Third-party payment.So that Quick Response Code is paid as an example, when scanning input complete two
Tie up after code, the interface shown in ejection Fig. 2, prompting to XX businessmans with that will pay 888.88 yuan, after user confirms, into Fig. 3
Shown interface, the payment account A bank cards given tacit consent to using user complete to pay.If user inputs payment cipher,
Complete to pay using A bank cards.If user selects other, the interface shown in ejection Fig. 4, user can change currently
The bank card of payment can complete the card such as mass transit card of other properties paid.User is also an option that " addition neocaine " comes
The new card of increase.
From the point of view of Third-party payment application shown in from Fig. 2 to Fig. 4, possess the bank and businessman of good credit in process of exchange
In there is no a too many selection, Third-party payment platform seemingly provides the operation mechanism that a complete user selects.But
It is that because user is a passive recipient in business promotion, and Third-party payment platform is limited by its monopoly position
And the consideration of transaction security, there is no motivation improved technology.
In addition, this bind credit card by Third-party payment mode, bank card, the Payment Card such as mass transit card, user is in body
Test payment conveniently benefit while, also gradually lose former consumption habit, such as paid with what card, the branch of card
Pay quota control, the accumulative management of consumption number of times of card, place to use scope management of card, etc..User was before consumption in the past
The thing of thinking is needed, now due to the monopoly status of Third-party payment platform, the consideration custom of user slowly disappears.
The content of the invention
It is an object of the invention to provide a kind of method of payment, making for various methods of payment is set by Third-party payment platform
With region, Business Information, pays limit etc. at payment times, reasonably using various methods of payment, facilitates user, promote with
Family is this payment market competition.
To achieve these goals, the present invention provides a kind of method of payment, and methods described includes, and step A passes through third party
Payment platform sets means of payment A payment times information a, adds up the payment times of the means of payment A；Step B, passes through institute
The payment times information b that Third-party payment platform sets means of payment B is stated, adds up the payment times of the means of payment B；Step
C, when being paid using the Third-party payment platform, the Third-party payment platform obtains the tired of the means of payment A
Payment times are counted, if the progressive payment number of times exceedes the payment times information a, are carried out using the means of payment B
Pay.
Further, methods described also includes, and sets the integration periods of the means of payment A, sets the means of payment B
Integration periods.
Further, methods described also includes, when the means of payment A or B in its integration periods is not up to access times
When, remind user to increase the access times of the means of payment.
Further, methods described also includes, when the means of payment A or B in its integration periods is not up to access times
When, remind user to increase the access times of the means of payment.
Further, methods described also includes, and the access times of the means of payment A or B are counted by the cycle, and prediction is described
Access times of the means of payment A or B in its integration periods, if the means of payment A or B of the prediction access times can not
The payment times information of the setting is reached, reminds user to increase the access times of the means of payment.
Further, methods described also includes, the consumption habit of counting user, the payment time of some following period of prediction
Number, plans the frequency of use of the means of payment A and B in the period, and frequency is used according to the planning within the period
Rate uses the means of payment A and B.
The present invention also provides a kind of method of payment, and methods described includes, step A, and branch is set by Third-party payment platform
The highest for paying mode A pays limit a1, adds up the payment of the means of payment A；Step B, passes through the Third-party payment
Platform sets means of payment B highest to pay limit b1, adds up the payment of the means of payment B；Step C, when utilizing
When stating Third-party payment platform and being paid, the Third-party payment platform obtains the progressive payment amount of money of the means of payment A,
If the progressive payment amount of money, which exceedes the highest, pays limit a1, paid using the means of payment B.
The present invention also provides a kind of portable terminal applied such as above-mentioned method of payment.
The present invention also provides a kind of Third-party payment platform applied such as above-mentioned method of payment.
After technical scheme, user can set making for various methods of payment by Third-party payment platform
With region, Business Information, pays limit etc. at payment times, reasonably using various methods of payment, facilitates user, promote with
Family is this payment market competition, is also convenient for the popularization of different methods of payment and vies each other, technically alleviates bank pair
The dependence of Third-party payment provider.
Brief description of the drawings
Fig. 1 is existing payment scene；
Fig. 2 to Fig. 4 is the most common mode of existing Third-party payment；
Fig. 5 is set using flow chart for the means of payment of embodiment one；
Fig. 6 to Fig. 7 is the application interface of the Third-party payment of embodiment one;
Fig. 8 is a kind of mode that the means of payment is set using scene；
Fig. 9 is set using flow chart for the means of payment of embodiment two；
Figure 10 to Figure 11 is the application interface of the Third-party payment of embodiment two；
Figure 12 is set using flow chart for the means of payment of embodiment three；
Figure 13 is set using flow chart for the means of payment of example IV.
Embodiment
In the description of prior art, the application scenarios shown in Fig. 4 have bound 6 kinds of means of payment altogether：A bank cards, A
Bank deposit card, the change that Third-party payment is carried, B bank cards, C bank deposit cards and mass transit card.
For proper use of 6 kinds of means of payment above, The present invention gives some following embodiments.
Embodiment one：
Fig. 5 is set using flow chart for the means of payment of embodiment one.First, user is that the various means of payment are set using ground
Domain.It is general by administrative division using region.Assuming that have two kinds of means of payment, the use region for setting means of payment A
A, sets means of payment B use region b.When user is paid using Third-party payment, Third-party payment application program
The location of current payment devices information is obtained first, and according to the use region set for the means of payment, selection is used
The means of payment that region includes current location is paid.
By taking the means of payment listed hereinbefore as an example, the use region that A bank cards are set is China, and B bank cards are set
The use region put is the U.S., and other means of payment are not provided with.Now, when user is paid in China, preferentially from A
Bank card completes to pay；It is preferential to complete to pay from B bank cards if user is in the U.S..
Fig. 6 to Fig. 7 is the application interface of the Third-party payment of embodiment one.Fig. 6 show what is paid in GuangZhou, China
Interface, after confirming to pay, Third-party payment application obtains current positional information, confirms current location in China, Ran Houyou
First paid using A bank cards.Certainly, user can also click on " other " button, select other cards to be paid.Figure
7 show the interface paid in USA New York, after confirming to pay, and Third-party payment application obtains current position letter
Breath, confirms that current location in the U.S., is then preferentially paid using the completion of B bank cards.
In general, user is manually a pretty troublesome thing for every kind of means of payment set location information, but is passed through
The payment scene information that user obtains in use, can facilitate user to set.Paying scene information includes the time of payment,
The place of payment, pays businessman, payment for merchandise, the information such as payment.If resulting in all or part of scene when paying
Information, then preserve these scene informations, and associated with the means of payment used.
Fig. 8 is a kind of mode that the means of payment is set using scene.Third-party payment platform sets the means of payment of acquiescence
For A, when user is during actual delivery, changes the current means of payment for B, then Third-party payment platform record is current makes
It is b1 with scene, the corresponding means of payment of the scene is B.So, when it is b1 that next time, which detects payment usage scenario, then give tacit consent to
Use means of payment B.It is preferential to use means of payment B when it is the U.S. to detect the place for paying scene in embodiment one,
It is preferential to use means of payment A when it is China to detect the place for paying scene.
In order to determine location for payment, user's payment devices are provided with locating module, its support satellite fix, architecture,
And the positioning method such as indoor positioning.
It is pointed out that the means of payment of the present embodiment does not only differentiate between different Payment Cards, such as credit card, deposit card,
Transportation card etc., and different payment technologies are distinguished, at least paid including bar code and NFC is paid.Such as in market, bar code pay and
NFC pay can convenient use, but when taking subway, NFC pays just very convenient.
Embodiment two：
Fig. 9 is set using flow chart for the means of payment of embodiment two.First, user is that the various means of payment set payment businessman
Information.Assuming that there is two kinds of means of payment, the payment businessman a for setting means of payment A sets means of payment B payment businessman
b.When user is paid using Third-party payment, Third-party payment application program obtains current Business Information first, and
It is the payment Business Information that the means of payment is set according to Third-party payment platform, selection, which pays Business Information, includes current businessman
The means of payment is paid.
Figure 10 to Figure 11 is the application interface of the Third-party payment of embodiment two.After confirming to pay, Third-party payment platform
Business Information is obtained, the current businessman that pays is Guangzhou Friendship Store shown in Figure 10, and system sets its means of payment to be A bank credit
Card.So, this time pay and preferentially paid using A bank cards.The current businessman that pays is Guangzhou Underground shown in Figure 11, is
System sets its means of payment to be Canton All-in-Card.So, this time pay and preferentially paid using Canton All-in-Card.
Third-party payment is obtained when Business Information can be paid scanning bar code and carried out, it is general direct in bar code or
Person includes merchant information indirectly；Or, the user terminal of Third-party payment includes indoor positioning module, by obtaining indoor positioning
Information determines current Business Information, and indoor positioning technologies include bluetooth, wifi, iBeacon（The indoor positioning skill of Apple Inc.
Art）, RFID, etc..
In order to set the means of payment of different trade companies, the method for being set using scene for the means of payment shown in Fig. 8 is same
The present embodiment can be used, usage scenario here includes merchant information.
In addition, system can preserve the means of payment and corresponding merchant information when user pays every time, so, pass through system
Count means of payment data of the user in certain trade company, it is possible to which the user for obtaining the trade company pays custom, is sorted by access times, such as
At most, if the payment trade company of user currently is the trade company, System Priority is stored up A bank deposit cards access times using A banks
Card is stored to be paid.The means of payment can also be ranked up according to spending amount.
It is pointed out that each means of payment can set multiple businessmans, each businessman can correspond to a variety of
The mode of paying.
Embodiment three：
Figure 12 is set using flow chart for the means of payment of embodiment three.First, user is that the various means of payment set payment time
Number information.Assuming that there is two kinds of means of payment, the payment times a for setting means of payment A sets means of payment B payment time
Number b.When user is paid using Third-party payment, Third-party payment application program obtains current means of payment A's first
Access times, if means of payment A access times are paid more than a using means of payment B.Here, payment times can
So that per year, the cycle such as moon is configured, mainly for meeting the demand for exempting from annual fee during Credit Card Payments by number of times, user is facilitated to manage
The different credit card of reason.
Set annual using 5 times assuming that user is A bank cards, and set from date；User is B bank cards
Set annual using 10 times, and set from date.So, when user uses Third-party payment, Third-party payment is united automatically
The access times of the different means of payment are counted, and preferentially use the branch for being provided with access times and working as the access times not up to set
The mode of paying is paid.
In addition, when user is provided with access times and from date, Third-party payment can be practised according to the use of user
It is used, the consumption number of times of the different means of payment are such as monthly used, when certain means of payment soon reaches the statistics date of access times
And the access times of setting are not reached, system alert user increase consumption number of times are wanted with meeting the means of payment to access times
Ask.Table 1 is means of payment access times statistical form, because two kinds of means of payment are to reach defined number of times, then third party
Payment system is then according to a kind of means of payment of current time prioritizing selection.If current time is May 1, due to B bank credit
To the date of expiry on Karma, then the 3rd payment system prioritizing selection B bank cards are paid.If current time is December
1 day, then the 3rd payment system prioritizing selection A bank cards paid.In addition, third-party payment system is according to historical statistics
Average monthly access times, when certain means of payment is calculated according to average monthly access times, even if rule can not be reached by expiring
When determining number of times, user is reminded to increase the access times of the means of payment.Such as the A credits card in table 1, average monthly access times are
0.3 time, even if year, the access times of setting can not be reached, now, system need to remind user to increase A credits card
Access times.
Average monthly access times above-mentioned are a kind of method that prediction is reminded.In addition, present big data and people
The development of work intelligence is also more and more ripe, can be according to the consumption habit of user for reminding for access times, such as disappearing monthly
Take number of times, spending amount monthly etc. is counted, and predict following use habit of user, so as to manage the third party of user
The use of the various means of payment in payment system.It is assumed that according to historical consumption habits, the annual consumption number of times in December of user and disappear
Take the amount of money at most, in order to reasonably arrange the use of every kind of means of payment, it is ensured that the payment times of every kind of means of payment, which reach, to be set
The payment times put, before December arrives, remind user to do a planning, such as means of payment A for the means of payment of this month
Using 5 times, means of payment B is used 10 times, then in December, the means of payment A and B are carried out in turn in the way of 5 to 10, i.e., every
After 2 means of payment B, next time uses means of payment A.
| The means of payment | Stipulated number | Count from date | Count the date of expiry | Access times | Average monthly access times |
| A bank cards | 5 | Annual January 1 | Annual December 31 | 3 | 0.3 |
| B bank cards | 10 | Annual June 1 | Annual May 31 | 7 | 1.1 |
The means of payment access times statistical form of table 1
Example IV：
Figure 13 is set using flow chart for the means of payment of example IV.First, user is that the various means of payment set payment to make
Use limit information.Assuming that there is two kinds of means of payment, the payment limit a for setting means of payment A sets means of payment B branch
Pay limit b.When user is paid using Third-party payment, Third-party payment application program obtains the current means of payment first
A use limit, if means of payment A use limit is paid more than a using means of payment B.Here, limit is paid
Volume can per year, and the cycle such as moon is configured, and facilitates the means of payment that user management is different.
Payment limit above is the ceiling set, and system can also set nil-norm, or, both combinations to make
With while setting the highest nil-norm that user pays.
The method of payment of the present invention can be very easily with using mobile phone as the portable terminal of representative.
The method of payment of the present invention can be used very easily in Third-party payment platform such as wechat, Alipay.
The foregoing is only a specific embodiment of the invention, but protection scope of the present invention is not limited thereto, any
Those familiar with the art the invention discloses technical scope in, change or replacement can be readily occurred in, should all be contained
Cover within protection scope of the present invention.Therefore, protection scope of the present invention described should be defined by scope of the claims.
Claims (9)
1. a kind of method of payment, it is characterised in that methods described includes, step A, payer is set by Third-party payment platform
Formula A payment times information a, adds up the payment times of the means of payment A；Step B, is set by the Third-party payment platform
Means of payment B payment times information b is put, adds up the payment times of the means of payment B；Step C, as the utilization third party
When payment platform is paid, the Third-party payment platform obtains the progressive payment number of times of the means of payment A, if described
Progressive payment number of times exceedes the payment times information a, then is paid using the means of payment B.
2. method of payment as claimed in claim 1, it is characterised in that methods described also includes, sets the means of payment A's
Integration periods, set the integration periods of the means of payment B.
3. the method for payment as described in any one in claim 1 to 2, it is characterised in that methods described also includes, when described
Means of payment A or B reminds user to increase the access times of the means of payment when its integration periods is not up to access times.
4. method of payment as claimed in claim 3, it is characterised in that methods described also includes, as the means of payment A or B
When its integration periods is not up to access times, user is reminded to increase the access times of the means of payment.
5. method of payment as claimed in claim 4, it is characterised in that methods described also includes, pays by cycle statistics is described
Mode A or B access times, predict access times of the means of payment A or B in its integration periods, if the prediction
The means of payment A or B access times can not reach the payment times information of the setting, remind user to increase the means of payment
Access times.
6. method of payment as claimed in claim 5, it is characterised in that methods described also includes, the consumption habit of counting user,
The payment times of some following period of prediction, plan the frequency of use of the means of payment A and B in the period, at this
Between according to the frequency of use of the planning use the means of payment A and B in section.
7. a kind of method of payment, it is characterised in that methods described includes, step A, payer is set by Third-party payment platform
Formula A highest pays limit a1, adds up the payment of the means of payment A；Step B, passes through the Third-party payment platform
Set means of payment B highest to pay limit b1, add up the payment of the means of payment B；Step C, when utilizing described the
When tripartite's payment platform is paid, the Third-party payment platform obtains the progressive payment amount of money of the means of payment A, if
The progressive payment amount of money exceedes the highest and pays limit a1, then is paid using the means of payment B.
8. a kind of portable terminal of application method of payment as described in claim 1 to 7.
9. a kind of Third-party payment platform of application method of payment as described in claim 1 to 7.
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| CN201710299554.XA CN107180341A (en) | 2017-05-02 | 2017-05-02 | A kind of method of payment and corresponding portable terminal, Third-party payment platform |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN108171507A (en) * | 2017-12-29 | 2018-06-15 | 广东汇卡商务服务有限公司 | A kind of Quick Response Code payment transaction processing platform |
| CN111144874A (en) * | 2019-12-20 | 2020-05-12 | 支付宝实验室(新加坡)有限公司 | Payment mode recommendation method, device and equipment |
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Application publication date: 20170919 |