CN107194683A - On-line payment method and apparatus - Google Patents
On-line payment method and apparatus Download PDFInfo
- Publication number
- CN107194683A CN107194683A CN201610143706.2A CN201610143706A CN107194683A CN 107194683 A CN107194683 A CN 107194683A CN 201610143706 A CN201610143706 A CN 201610143706A CN 107194683 A CN107194683 A CN 107194683A
- Authority
- CN
- China
- Prior art keywords
- disbursement
- user
- channel
- merchant terminal
- user profile
- 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
Links
- 238000000034 method Methods 0.000 title claims abstract description 38
- 230000005540 biological transmission Effects 0.000 claims description 3
- 230000006870 function Effects 0.000 description 7
- 230000004044 response Effects 0.000 description 7
- 230000008901 benefit Effects 0.000 description 2
- 230000003993 interaction Effects 0.000 description 2
- 239000000463 material Substances 0.000 description 2
- 230000004048 modification Effects 0.000 description 2
- 238000012986 modification Methods 0.000 description 2
- 238000004321 preservation Methods 0.000 description 2
- 230000008569 process Effects 0.000 description 2
- 230000002159 abnormal effect Effects 0.000 description 1
- 230000009471 action Effects 0.000 description 1
- 230000008859 change Effects 0.000 description 1
- 230000005611 electricity Effects 0.000 description 1
- 239000012634 fragment Substances 0.000 description 1
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
-
- 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
- G06Q20/4014—Identity check for transactions
Abstract
The application proposes a kind of on-line payment method and apparatus, and the on-line payment method includes：Obtain the user profile of order to be paid；Alternative channel of disbursement corresponding with the user profile is obtained from service end；Alternative channel of disbursement is illustrated in merchant terminal, so that user selects channel of disbursement to carry out on-line payment in alternative channel of disbursement.This method can be in the case of mobile terminal be in without net or weak net, and user can still select channel of disbursement.
Description
Technical field
The application is related to mobile payment technical field, more particularly to a kind of on-line payment method and apparatus.
Background technology
With the rapid development of Internet, on-line payment application scenarios are more and more extensive.And user's on-line payment
Scene it is extremely complex, whether there is the environment such as net, weak net and strong net.When under the conditions of strong net, mobile terminal
It can be networked with service end, so as to show alternative channel of disbursement on the mobile terminal of user.
But, in the case of mobile terminal is in without net or weak net, it is impossible to which displaying is available for choosing on mobile terminals
The channel of disbursement selected, user can not realize the selection to channel of disbursement.
The content of the invention
The application is intended at least solve one of technical problem in correlation technique to a certain extent.
Therefore, the purpose of the application is to propose a kind of on-line payment method, this method can be in movement
In the case of terminal is in without net or weak net, user can still select channel of disbursement.
Further object is to propose a kind of on-line payment device.
To reach above-mentioned purpose, the on-line payment method that the application first aspect embodiment is proposed, including：Obtain
Take the user profile of order to be paid；Obtain corresponding with the user profile available from service end
Channel of disbursement；Alternative channel of disbursement is illustrated in merchant terminal, so as to
Family selects channel of disbursement to carry out on-line payment in alternative channel of disbursement.
The on-line payment method that the application first aspect embodiment is proposed, by by alternative payment canal
Road is illustrated in merchant terminal, can carry out the choosing of channel of disbursement in merchant terminal by user
Select, so that in the case where mobile terminal is without net or weak net, user can still select channel of disbursement,
More preferably meet user's request.
To reach above-mentioned purpose, the on-line payment method that the application second aspect embodiment is proposed, including：Connect
Receive the user profile for the order to be paid that merchant terminal is sent；Acquisition is corresponding with the user profile can
Selective channel of disbursement；Alternative channel of disbursement is sent to merchant terminal, and shown
In merchant terminal, so that user selects channel of disbursement to enter in alternative channel of disbursement
Row on-line payment.
The on-line payment method that the application second aspect embodiment is proposed, by by alternative channel of disbursement
It is sent to merchant terminal and is shown, can be by user in merchant terminal progress channel of disbursement
Selection so that in the case where mobile terminal is without net or weak net, user can still select to pay canal
Road, more preferably meets user's request.
To reach above-mentioned purpose, the on-line payment device that the application third aspect embodiment is proposed, including：The
One acquisition module, the user profile for obtaining order to be paid；Second acquisition module, for from clothes
Business end obtains alternative channel of disbursement corresponding with the user profile；Display module, for inciting somebody to action
Alternative channel of disbursement is illustrated in merchant terminal, so that user is available for choosing described
Channel of disbursement is selected to carry out on-line payment in the channel of disbursement selected.
The on-line payment device that the application third aspect embodiment is proposed, by by alternative payment canal
Road is illustrated in merchant terminal, can carry out the choosing of channel of disbursement in merchant terminal by user
Select, so that in the case where mobile terminal is without net or weak net, user can still select channel of disbursement,
More preferably meet user's request.
To reach above-mentioned purpose, the on-line payment device that the application fourth aspect embodiment is proposed, including：Connect
Module is received, the user profile of the order to be paid for receiving the transmission of merchant terminal；Acquisition module, is used
In acquisition alternative channel of disbursement corresponding with the user profile；Sending module, for will it is described can
Selective channel of disbursement is sent to merchant terminal, and is illustrated in merchant terminal, so as to user
Channel of disbursement is selected to carry out on-line payment in alternative channel of disbursement.
The on-line payment device that the application fourth aspect embodiment is proposed, by by alternative channel of disbursement
It is sent to merchant terminal and is shown, can be by user in merchant terminal progress channel of disbursement
Selection so that in the case where mobile terminal is without net or weak net, user can still select to pay canal
Road, more preferably meets user's request.
The aspect and advantage that the application is added will be set forth in part in the description, and will partly be retouched from following
Become obvious in stating, or recognize by the practice of the application.
Brief description of the drawings
The above-mentioned and/or additional aspect of the application and advantage are from the following description of the accompanying drawings of embodiments
It will be apparent and be readily appreciated that, wherein：
Fig. 1 is the schematic flow sheet for the on-line payment method that the embodiment of the application one is proposed；
Fig. 2 is the schematic flow sheet for the on-line payment method that another embodiment of the application is proposed；
Fig. 3 is the schematic flow sheet for the on-line payment method that another embodiment of the application is proposed；
Fig. 4 is the structural representation for the on-line payment device that another embodiment of the application is proposed；
Fig. 5 is the structural representation for the on-line payment device that another embodiment of the application is proposed；
Fig. 6 is the structural representation for the on-line payment device that another embodiment of the application is proposed；
Fig. 7 is the structural representation for the on-line payment device that another embodiment of the application is proposed；
Fig. 8 is the structural representation for the electronic equipment that another embodiment of the application is proposed；
Fig. 9 is the structural representation for the electronic equipment that another embodiment of the application is proposed.
Embodiment
Embodiments herein is described below in detail, the example of the embodiment is shown in the drawings, wherein certainly
Beginning to same or similar label eventually represents same or similar module or the mould with same or like function
Block.The embodiments described below with reference to the accompanying drawings are exemplary, is only used for explaining the application, and can not
It is interpreted as the limitation to the application.On the contrary, embodiments herein includes falling into attached claims
All changes, modification and equivalent in the range of spirit and intension.
Fig. 1 is the schematic flow sheet for the on-line payment method that the embodiment of the application one is proposed.
The method of the present embodiment can be applied in merchant terminal, and merchant terminal refers to business
The equipment that product are settled accounts.
Referring to Fig. 1, this method includes：
S11：Obtain the user profile of order to be paid.
For example, the acquisition module that set user information in merchant terminal, user profile acquisition module
For gathering user profile.
User profile acquisition module can be software form, for example, in the main interface of merchant terminal
The button of typing user profile is provided with, user can enter user profile typing by clicking on
Interface, user can input user profile in the interface, for example, input：Account name, cell-phone number,
Mailbox number etc..Or,
User profile acquisition module can also be example, in hardware, refer to for example, being set in merchant terminal
Line collector, the finger print information of user is gathered by fingerprint capturer.Or, set in merchant terminal
Iris capturing device is put, the iris information of user is gathered by iris capturing device.Or, merchant terminal
Upper setting two-dimensional code scanning device, user first can generate Quick Response Code according to self information, for example, with
Swept using the photo generation Quick Response Code of itself, then two-dimensional code scanning device in merchant terminal at family
Retouch Quick Response Code and obtain photographic intelligence of user etc..Or,
User profile acquisition module can also be the form of software and hardware combining, for example, with reference to the defeated of user
Enter and actual hardware acquisition module obtains user profile.
S12：Alternative channel of disbursement corresponding with the user profile is obtained from service end.
Wherein, in service end can association user information and alternative channel of disbursement in advance, for example,
User, can be in service end registered user information and corresponding alternative payment when registration
Channel.
By taking the service end of Alipay as an example, for example, user can register Alipay account in registration,
And counterpart expenditure treasured account associates multiple bank card account numbers, each bank card account number can be used as one kind
Alternative channel of disbursement.
Merchant terminal can be interacted after user profile is got with service end, so that from service
End obtains corresponding alternative channel of disbursement.
S13：Alternative channel of disbursement is illustrated in merchant terminal, so that user exists
Channel of disbursement is selected to carry out on-line payment in alternative channel of disbursement.
Wherein, merchant terminal is obtained after alternative channel of disbursement from service end, will can be propped up
Pay channel to be illustrated on the interface of itself, so that user selects.
Afterwards, user can select a channel of disbursement to carry out online in alternative channel of disbursement
Pay.
, can by the way that alternative channel of disbursement is illustrated in merchant terminal in the present embodiment
To carry out the selection of channel of disbursement in merchant terminal by user, so that in mobile terminal without net or weak
In the case of net, user can still select channel of disbursement, more preferably meet user's request.
Fig. 2 is the schematic flow sheet for the on-line payment method that another embodiment of the application is proposed.
The method of the present embodiment can be applied in service end, and service end refers to the clothes for completing on-line payment
Business end, for example, service end of Alipay etc..
Referring to Fig. 2, this method includes：
S21：Receive the user profile for the order to be paid that merchant terminal is sent.
For example, merchant terminal is after user profile is collected, service end can be sent it to.
S22：Obtain alternative channel of disbursement corresponding with the user profile.
Wherein, user profile pass corresponding with alternative channel of disbursement can be pre-configured with service end
System, so as to determine corresponding alternative channel of disbursement according to the user profile of reception.
Wherein, service end the user profile that is inputted during according to user's registration and can be available in user's registration
The channel of disbursement of selection determines above-mentioned corresponding relation.
It is, of course, understood that when the determination of above-mentioned corresponding relation is not limited to registration, for example, with
The use of user, user can increase or delete at any time alternative channel of disbursement etc. newly, so that above-mentioned
Corresponding relation can be constantly updated.
S23：Alternative channel of disbursement is sent to merchant terminal, and is illustrated in trade company's clothes
In terminal of being engaged in, so that user selects channel of disbursement to carry out online in alternative channel of disbursement
Pay.
Wherein, service end can send it to business after corresponding alternative channel of disbursement is got
Family service terminal, is selected by merchant terminal display to user.
In the present embodiment, by the way that alternative channel of disbursement is sent into merchant terminal and exhibition is carried out
Show, can by user merchant terminal carry out channel of disbursement selection so that mobile terminal without
In the case of net or weak net, user can still select channel of disbursement, more preferably meet user's request.
Fig. 3 is the schematic flow sheet for the on-line payment method that another embodiment of the application is proposed.
The present embodiment is by taking the interaction between user, merchant terminal and service end as an example.
Referring to Fig. 3, this method includes：
S301：Merchant terminal receives the sequence information that user issues.
Wherein, merchant terminal can be self-service terminal, for example, user does shopping in trade company
Afterwards, the self-service terminal can be used to carry out the operation such as settle accounts.
User is when issuing sequence information, for example, the barcode scanning gun that user is provided using merchant terminal
Quick Response Code in items scanning, to be settled accounts in merchant terminal.
S302：Merchant terminal obtains user profile.
For example, merchant terminal can set the user profile of software and/or example, in hardware to gather mould
Block, so as to complete the collection to user profile.Particular content may refer to an embodiment, herein not
Repeat again.
S303：Merchant terminal is interacted with service end, obtains user profile corresponding alternative
Channel of disbursement.
For example, service end is the service end of Alipay, in the service end of Alipay, it can be pre-configured with
Corresponding relation between user profile and alternative channel of disbursement, to be obtained according to user profile
Corresponding channel of disbursement.Particular content may refer to an embodiment, will not be repeated here.
S304：Alternative channel of disbursement is illustrated on the interface of itself by merchant terminal.
Wherein, merchant terminal is obtained after alternative channel of disbursement from service end, can be by it
Show user.
S305：Merchant terminal receives the channel of disbursement of user's selection.
For example, merchant terminal provides touch-screen, user can be paid by the formal character of touch
Channel.It is, of course, understood that user is not limited to triggering mode with interacting for merchant terminal,
Interaction can also be realized by modes such as the buttons of hardware or software.
Further it will be understood that acquisition sequence information and user profile are not limited in sequential.
In order to improve security, optionally, the present embodiment can also include：
S306：Merchant terminal obtains the identity information of user.
Wherein, the identity information for the user that step S306 is obtained can be the user obtained with S302
The different information of information, to be verified.
For example, the user profile that S302 is obtained is account name, the identity information of user now can be
The biological informations such as finger print information, iris information.Or, if the user profile that S302 is obtained is
The biological information such as finger print information or iris information, the identity information of user now can be account
The information such as name, user name, cell-phone number.
Specifically, in captured identity information can also it is similar collection user profile flow, for example,
User to merchant terminal can input identity information by software and/or hardware.
S307：The information for the channel of disbursement that merchant terminal selects sequence information, user and user
Identity information be sent to service end.
S308：Service end is verified according to the identity information of user.
Wherein, it can be pre-saved in service end corresponding between user profile and the identity information of user
Relation, for example, in user's registration, after user's registration account name, can also correspond to and preserve fingerprint
Information etc..So as to checking when, service end can by the user profile and identity information of reception with advance
The information of preservation is compared, otherwise not verified if unanimously, shown by checking.
S309：After by checking, the channel of disbursement that service end is selected using user enters to sequence information
Row is paid.
For example, authentication is by rear, service end deducts order letter in the channel of disbursement that user selects
Expense needed for breath.
S310：Service end pays success message to merchant terminal feedback.
S311：Merchant terminal pays success message to user feedback.
On the other hand, it is not verified after service end is verified to identity information, or when paying
When occurring abnormal, service end can pay failed message to merchant terminal feedback, and be taken by trade company
Terminal display be engaged in user, failure cause etc. can also be carried in failed message is paid.
In the present embodiment, by the way that alternative channel of disbursement is sent into merchant terminal and exhibition is carried out
Show, can by user merchant terminal carry out channel of disbursement selection so that mobile terminal without
In the case of net or weak net, user can still select channel of disbursement, more preferably meet user's request.Enter
One step, verified by the way that the identity information of user is sent into service end, security can be improved.
Fig. 4 is the structural representation for the on-line payment device that another embodiment of the application is proposed.The device
It can be located in merchant terminal.Referring to Fig. 4, the device includes：First acquisition module 41,
Two acquisition modules 42 and display module 43.
First acquisition module 41, the user profile for obtaining order to be paid.
For example, the acquisition module that set user information in merchant terminal, user profile acquisition module
For gathering user profile.
User profile acquisition module can be software form, for example, in the main interface of merchant terminal
The button of typing user profile is provided with, user can enter user profile typing by clicking on
Interface, user can input user profile in the interface, for example, input：Account name, cell-phone number,
Mailbox number etc..Or,
User profile acquisition module can also be example, in hardware, refer to for example, being set in merchant terminal
Line collector, the finger print information of user is gathered by fingerprint capturer.Or, set in merchant terminal
Iris capturing device is put, the iris information of user is gathered by iris capturing device.Or, merchant terminal
Upper setting two-dimensional code scanning device, user first can generate Quick Response Code according to self information, for example, with
Swept using the photo generation Quick Response Code of itself, then two-dimensional code scanning device in merchant terminal at family
Retouch Quick Response Code and obtain photographic intelligence of user etc..Or,
User profile acquisition module can also be the form of software and hardware combining, for example, with reference to the defeated of user
Enter and actual hardware acquisition module obtains user profile.
Second acquisition module 42, for obtaining corresponding with the user profile available from service end
Channel of disbursement.
Wherein, in service end can association user information and alternative channel of disbursement in advance, for example,
User, can be in service end registered user information and corresponding alternative payment when registration
Channel.
By taking the service end of Alipay as an example, for example, user can register Alipay account in registration,
And counterpart expenditure treasured account associates multiple bank card account numbers, each bank card account number can be used as one kind
Alternative channel of disbursement.
Merchant terminal can be interacted after user profile is got with service end, so that from service
End obtains corresponding alternative channel of disbursement.
Display module 43, for alternative channel of disbursement to be illustrated in into merchant terminal,
So that user selects channel of disbursement to carry out on-line payment in alternative channel of disbursement.
Wherein, merchant terminal is obtained after alternative channel of disbursement from service end, will can be propped up
Pay channel to be illustrated on the interface of itself, so that user selects.
Afterwards, user can select a channel of disbursement to carry out online in alternative channel of disbursement
Pay.
In some embodiments, referring to Fig. 5, the device also includes：
3rd acquisition module 44, the identity information for obtaining user.
Optionally, the user profile and/or identity information are：User passes through soft in merchant terminal
What part and/hardware were inputted.
Optionally, the user profile and identity information are different information, user profile or the identity letter
Breath includes at least one in following item：
Account name, cell-phone number, mailbox number, biological information.
Sending module 45, for the identity information to be sent into service end, so that the service end is to institute
State after identity information is verified and paid.
The particular content of above-mentioned module may refer to the description in embodiment of the method, will not be repeated here.
, can by the way that alternative channel of disbursement is illustrated in merchant terminal in the present embodiment
To carry out the selection of channel of disbursement in merchant terminal by user, so that in mobile terminal without net or weak
In the case of net, user can still select channel of disbursement, more preferably meet user's request.
Fig. 6 is the structural representation for the on-line payment device that another embodiment of the application is proposed.The device
Service end can be located at.Referring to Fig. 6, the device 60 includes：Receiving module 61, acquisition module 62
With sending module 63.
Receiving module 61, the user profile of the order to be paid for receiving the transmission of merchant terminal.
For example, merchant terminal is after user profile is collected, service end can be sent it to.
Acquisition module 62, for obtaining alternative channel of disbursement corresponding with the user profile.
Wherein, user profile pass corresponding with alternative channel of disbursement can be pre-configured with service end
System, so as to determine corresponding alternative channel of disbursement according to the user profile of reception.
Wherein, service end the user profile that is inputted during according to user's registration and can be available in user's registration
The channel of disbursement of selection determines above-mentioned corresponding relation.
It is, of course, understood that when the determination of above-mentioned corresponding relation is not limited to registration, for example, with
The use of user, user can increase or delete at any time alternative channel of disbursement etc. newly, so that above-mentioned
Corresponding relation can be constantly updated.
Sending module 63, for alternative channel of disbursement to be sent into merchant terminal, and
It is illustrated in merchant terminal, so that user selects to pay canal in alternative channel of disbursement
Road carries out on-line payment.
Wherein, service end can send it to business after corresponding alternative channel of disbursement is got
Family service terminal, is selected by merchant terminal display to user.
In some embodiments, referring to Fig. 7, the device also includes：
Authentication module 64, the identity information for receiving the user that the merchant terminal is sent；And,
The identity information is verified；
Payment module 65, for after being verified, being carried out according to the channel of disbursement that user selects to order
Pay.
Optionally, the authentication module is used to verify the identity information, including：
According to the corresponding relation between the user profile and identity information being pre-configured with, and the user's letter received
Breath and identity information are compared；
If consistent, it is determined that by checking, otherwise determine not verified.
Wherein, it can be pre-saved in service end corresponding between user profile and the identity information of user
Relation, for example, in user's registration, after user's registration account name, can also correspond to and preserve fingerprint
Information etc..So as to checking when, service end can by the user profile and identity information of reception with advance
The information of preservation is compared, otherwise not verified if unanimously, shown by checking.
For example, authentication is by rear, service end deducts order letter in the channel of disbursement that user selects
Expense needed for breath.
In the present embodiment, by the way that alternative channel of disbursement is sent into merchant terminal and exhibition is carried out
Show, can by user merchant terminal carry out channel of disbursement selection so that mobile terminal without
In the case of net or weak net, user can still select channel of disbursement, more preferably meet user's request.
Fig. 8 is the structural representation for the electronic equipment that another embodiment of the application is proposed.The electronic equipment
Merchant terminal can be specifically referred to.Referring to Fig. 8, the electronic equipment 80 includes：Housing 81, place
Device 82, memory 83, circuit board 84 and power circuit 85 are managed, wherein, circuit board 84 is placed in housing
The interior volume surrounded, processor 82 and memory 83 are arranged on circuit board 84；Power circuit 85,
For being powered for each circuit or device of electronic equipment；Memory 83 is used to store executable program code；
The executable program code that processor 82 is stored by reading in memory is run and executable program code
Corresponding program, for performing following steps：
Obtain the user profile of order to be paid；
Alternative channel of disbursement corresponding with the user profile is obtained from service end；
Alternative channel of disbursement is illustrated in merchant terminal, so that user is described
Channel of disbursement is selected to carry out on-line payment in alternative channel of disbursement.
Optionally, in addition to：
Obtain the identity information of user；
The identity information is sent to service end, so that the service end is verified to the identity information
Paid by rear.
Optionally, the user profile and/or identity information are：User passes through soft in merchant terminal
What part and/hardware were inputted.
Optionally, the user profile and identity information are different information, user profile or the identity letter
Breath includes at least one in following item：
Account name, cell-phone number, mailbox number, biological information.
The particular content of the present embodiment may refer to the associated description in above-described embodiment, herein no longer specifically
It is bright.
, can by the way that alternative channel of disbursement is illustrated in merchant terminal in the present embodiment
To carry out the selection of channel of disbursement in merchant terminal by user, so that in mobile terminal without net or weak
In the case of net, user can still select channel of disbursement, more preferably meet user's request.
Fig. 9 is the structural representation for the electronic equipment that another embodiment of the application is proposed.The electronic equipment
Server can be specifically referred to.Referring to Fig. 9, the electronic equipment 90 includes：Housing 91, processor 92,
Memory 93, circuit board 94 and power circuit 95, wherein, circuit board 94 is placed in the sky that housing is surrounded
Between it is internal, processor 92 and memory 93 are arranged on circuit board 94；Power circuit 95, for for electricity
Each circuit or device of sub- equipment are powered；Memory 93 is used to store executable program code；Processor
82 executable program codes stored by reading in memory are corresponding with executable program code to run
Program, for performing following steps：
Receive the user profile for the order to be paid that merchant terminal is sent；
Obtain alternative channel of disbursement corresponding with the user profile；
Alternative channel of disbursement is sent to merchant terminal, and is illustrated in merchant terminal
On, so that user selects channel of disbursement to carry out on-line payment in alternative channel of disbursement.
Optionally, in addition to：
Receive the identity information for the user that the merchant terminal is sent；
The identity information is verified；
After being verified, order is paid according to the channel of disbursement that user selects.
Optionally, it is described that the identity information is verified, including：
According to the corresponding relation between the user profile and identity information being pre-configured with, and the user's letter received
Breath and identity information are compared；
If consistent, it is determined that by checking, otherwise determine not verified.
The particular content of the present embodiment may refer to the associated description in above-described embodiment, herein no longer specifically
It is bright.
In the present embodiment, by the way that alternative channel of disbursement is sent into merchant terminal and exhibition is carried out
Show, can by user merchant terminal carry out channel of disbursement selection so that mobile terminal without
In the case of net or weak net, user can still select channel of disbursement, more preferably meet user's request.
It should be noted that in the description of the present application, term " first ", " second " etc. are only used for retouching
Purpose is stated, and it is not intended that indicating or implying relative importance.In addition, in the description of the present application, removing
Non- to be otherwise noted, the implication of " multiple " refers at least two.
Any process described otherwise above or method description are construed as in flow chart or herein, table
Show including it is one or more be used for realize specific logical function or process the step of executable instruction generation
Module, fragment or the part of code, and the scope of the preferred embodiment of the application includes other realization,
Wherein can not by order that is shown or discussing, including according to involved function by it is basic and meanwhile in the way of
Or in the opposite order, carrying out perform function, this should be by embodiments herein those of skill in the art
Member is understood.
It should be appreciated that each several part of the application can be realized with hardware, software, firmware or combinations thereof.
In the above-described embodiment, multiple steps or method can in memory and by suitable instruction be held with storage
The software or firmware that row system is performed are realized.If for example, realized with hardware, and in another embodiment party
It is the same in formula, it can be realized with any one of following technology well known in the art or their combination：Have
For the discrete logic for the logic gates that logic function is realized to data-signal, with suitable combination
The application specific integrated circuit of logic gates, programmable gate array (PGA), field programmable gate array (FPGA)
Deng.
Those skilled in the art be appreciated that to realize the whole that above-described embodiment method carries or
Part steps can be by program to instruct the hardware of correlation to complete, and described program can be stored in one kind
In computer-readable recording medium, the program upon execution, including one of the step of embodiment of the method or its group
Close.
In addition, each functional unit in the application each embodiment can be integrated in a processing module,
Can also be that unit is individually physically present, can also two or more units be integrated in a module
In.Above-mentioned integrated module can both be realized in the form of hardware, it would however also be possible to employ software function module
Form is realized.If the integrated module is realized using in the form of software function module and is used as independent product
Sale in use, can also be stored in a computer read/write memory medium.
Storage medium mentioned above can be read-only storage, disk or CD etc..
In the description of this specification, reference term " one embodiment ", " some embodiments ", " example ",
The description of " specific example " or " some examples " etc. means to combine that the embodiment or example describe is specific
Feature, structure, material or feature are contained at least one embodiment of the application or example.In this theory
In bright book, identical embodiment or example are not necessarily referring to the schematic representation of above-mentioned term.Moreover,
Specific features, structure, material or the feature of description can be in any one or more embodiments or examples
In combine in an appropriate manner.
Although embodiments herein has been shown and described above, it is to be understood that above-described embodiment
It is exemplary, it is impossible to be interpreted as the limitation to the application, one of ordinary skill in the art is the application's
In the range of above-described embodiment can be changed, change, replace and modification.
Claims (10)
1. a kind of on-line payment method, it is characterised in that including：
Obtain the user profile of order to be paid；
Alternative channel of disbursement corresponding with the user profile is obtained from service end；
Alternative channel of disbursement is illustrated in merchant terminal, so that user is described
Channel of disbursement is selected to carry out on-line payment in alternative channel of disbursement.
2. according to the method described in claim 1, it is characterised in that also include：
Obtain the identity information of user；
The identity information is sent to service end, so that the service end is verified to the identity information
Paid by rear.
3. method according to claim 2, it is characterised in that user profile and/or the identity letter
Breath is：User is inputted by the software in merchant terminal and/hardware.
4. according to the method described in claim 1, it is characterised in that the user profile and identity information
It is different information, the user profile or identity information include at least one in following item：
Account name, cell-phone number, mailbox number, biological information.
5. a kind of on-line payment method, it is characterised in that including：
Receive the user profile for the order to be paid that merchant terminal is sent；
Obtain alternative channel of disbursement corresponding with the user profile；
Alternative channel of disbursement is sent to merchant terminal, and is illustrated in merchant terminal
On, so that user selects channel of disbursement to carry out on-line payment in alternative channel of disbursement.
6. method according to claim 5, it is characterised in that also include：
Receive the identity information for the user that the merchant terminal is sent；
The identity information is verified；
After being verified, order is paid according to the channel of disbursement that user selects.
7. method according to claim 6, it is characterised in that described to be carried out to the identity information
Checking, including：
According to the corresponding relation between the user profile and identity information being pre-configured with, and the user's letter received
Breath and identity information are compared；
If consistent, it is determined that by checking, otherwise determine not verified.
8. a kind of on-line payment device, it is characterised in that including：
First acquisition module, the user profile for obtaining order to be paid；
Second acquisition module, for obtaining corresponding with the user profile alternative from service end
Channel of disbursement；
Display module, for alternative channel of disbursement to be illustrated in into merchant terminal,
So that user selects channel of disbursement to carry out on-line payment in alternative channel of disbursement.
9. device according to claim 8, it is characterised in that also include：
3rd acquisition module, the identity information for obtaining user；
Sending module, for the identity information to be sent into service end, so that the service end is to the body
Part information is paid after being verified.
10. a kind of on-line payment device, it is characterised in that including：
Receiving module, the user profile of the order to be paid for receiving the transmission of merchant terminal；
Acquisition module, for obtaining alternative channel of disbursement corresponding with the user profile；
Sending module, for alternative channel of disbursement to be sent into merchant terminal, and shows
In merchant terminal, so that user selects channel of disbursement to enter in alternative channel of disbursement
Row on-line payment.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610143706.2A CN107194683A (en) | 2016-03-14 | 2016-03-14 | On-line payment method and apparatus |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610143706.2A CN107194683A (en) | 2016-03-14 | 2016-03-14 | On-line payment method and apparatus |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN107194683A true CN107194683A (en) | 2017-09-22 |
Family
ID=59871997
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201610143706.2A Pending CN107194683A (en) | 2016-03-14 | 2016-03-14 | On-line payment method and apparatus |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN107194683A (en) |
Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107730230A (en) * | 2017-10-31 | 2018-02-23 | 中国银联股份有限公司 | A kind of method of payment and vendor end |
| CN109767200A (en) * | 2018-12-28 | 2019-05-17 | 中国银联股份有限公司 | A kind of electric paying method, device, system and storage medium |
| WO2019196231A1 (en) * | 2018-04-10 | 2019-10-17 | 平安科技（深圳）有限公司 | Daily payment method and system based on fund share redemption-to-payment transfer |
| WO2019218817A1 (en) * | 2018-05-15 | 2019-11-21 | 腾讯科技（深圳）有限公司 | Payment method, apparatus, related device, and system |
| CN111429139A (en) * | 2020-03-27 | 2020-07-17 | 上海二三四五网络科技有限公司 | Control method and device for dynamically matching user payment mode selection |
| CN115170099A (en) * | 2022-09-08 | 2022-10-11 | 国网汇通金财（北京）信息科技有限公司 | Payment channel determining method and system |
Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| EP2629259A1 (en) * | 2011-04-29 | 2013-08-21 | Daon Holdings Limited | Methods and systems for conducting payment transactions |
| CN103473673A (en) * | 2012-06-05 | 2013-12-25 | 陈亘朝 | Card-free payment system |
| CN104599122A (en) * | 2013-10-31 | 2015-05-06 | 腾讯科技（深圳）有限公司 | Quick payment method, related equipment and related system |
| CN104809614A (en) * | 2015-04-13 | 2015-07-29 | 济南舜软信息科技有限公司 | Network and biological feature-based identity recognition and payment device and implementation method thereof |
-
2016
- 2016-03-14 CN CN201610143706.2A patent/CN107194683A/en active Pending
Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| EP2629259A1 (en) * | 2011-04-29 | 2013-08-21 | Daon Holdings Limited | Methods and systems for conducting payment transactions |
| CN103473673A (en) * | 2012-06-05 | 2013-12-25 | 陈亘朝 | Card-free payment system |
| CN104599122A (en) * | 2013-10-31 | 2015-05-06 | 腾讯科技（深圳）有限公司 | Quick payment method, related equipment and related system |
| CN104809614A (en) * | 2015-04-13 | 2015-07-29 | 济南舜软信息科技有限公司 | Network and biological feature-based identity recognition and payment device and implementation method thereof |
Cited By (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107730230A (en) * | 2017-10-31 | 2018-02-23 | 中国银联股份有限公司 | A kind of method of payment and vendor end |
| WO2019196231A1 (en) * | 2018-04-10 | 2019-10-17 | 平安科技（深圳）有限公司 | Daily payment method and system based on fund share redemption-to-payment transfer |
| WO2019218817A1 (en) * | 2018-05-15 | 2019-11-21 | 腾讯科技（深圳）有限公司 | Payment method, apparatus, related device, and system |
| US11461745B2 (en) | 2018-05-15 | 2022-10-04 | Tencent Technology (Shenzhen) Company Ltd | Payment method and apparatus, related device, and system |
| US11769123B2 (en) | 2018-05-15 | 2023-09-26 | Tencent Technology (Shenzhen) Company Ltd | Payment method and apparatus, related device, and system |
| CN109767200A (en) * | 2018-12-28 | 2019-05-17 | 中国银联股份有限公司 | A kind of electric paying method, device, system and storage medium |
| CN111429139A (en) * | 2020-03-27 | 2020-07-17 | 上海二三四五网络科技有限公司 | Control method and device for dynamically matching user payment mode selection |
| CN115170099A (en) * | 2022-09-08 | 2022-10-11 | 国网汇通金财（北京）信息科技有限公司 | Payment channel determining method and system |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN107194683A (en) | On-line payment method and apparatus | |
| US11687900B2 (en) | Kiosks for remote collection of electronic devices for value, and associated mobile application for enhanced diagnostics and services | |
| JP7430913B2 (en) | Low-cost computerized kiosk for remote collection of valuable electronic equipment | |
| US20210073537A1 (en) | Systems and methods for imaging identification information | |
| CN104239404B (en) | Searching method, system and device | |
| US20160005027A1 (en) | Method and apparatus for automated ordering and payment | |
| CN108171172A (en) | Self-help shopping method, self-service sale device and computer readable storage medium | |
| US20100082444A1 (en) | Portable point of purchase user interfaces | |
| CN107527198A (en) | Identify specific to the position of user calculating equipment | |
| US20140019360A1 (en) | Method for online payment, and system and electronic device for implementing the same | |
| JP7393002B2 (en) | Low-cost instruments and methods for distributed remote collection of valuable electronic devices | |
| WO2019076011A1 (en) | Commodity checking method and commodity checking device | |
| US10229413B2 (en) | Methods and apparatuses for mobile returns | |
| CN110166427A (en) | Security processing that businessman's management equipment uses, apparatus and system | |
| CN105493114A (en) | Mobile card sharing service method and system with enhanced security | |
| CN105933570A (en) | Image Data Processing Server, System And Method | |
| CN109983492A (en) | For with the system and method for the cross-border transaction of mobile device wallet application refunded safely | |
| CN109727015A (en) | Method of payment and device | |
| CN108629586A (en) | Payment verification method, equipment and computer readable storage medium | |
| WO2015009974A2 (en) | Card art display | |
| CN103810595A (en) | Information verification method and device | |
| CN110599151A (en) | Payment method, device, system and storage medium | |
| CN109830040A (en) | A kind of vending machine | |
| JP2010204861A (en) | Campaign application system | |
| CN113052727A (en) | House purchasing recommendation device and method based on house purchasing qualification verification |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| REG | Reference to a national code |
Ref country code: HK Ref legal event code: DE Ref document number: 1244568 Country of ref document: HK |
|
| TA01 | Transfer of patent application right |
Effective date of registration: 20200925 Address after: Cayman Enterprise Centre, 27 Hospital Road, George Town, Grand Cayman Islands Applicant after: Innovative advanced technology Co.,Ltd. Address before: Cayman Enterprise Centre, 27 Hospital Road, George Town, Grand Cayman Islands Applicant before: Advanced innovation technology Co.,Ltd. Effective date of registration: 20200925 Address after: Cayman Enterprise Centre, 27 Hospital Road, George Town, Grand Cayman Islands Applicant after: Advanced innovation technology Co.,Ltd. Address before: A four-storey 847 mailbox in Grand Cayman Capital Building, British Cayman Islands Applicant before: Alibaba Group Holding Ltd. |
|
| TA01 | Transfer of patent application right | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20170922 |
|
| RJ01 | Rejection of invention patent application after publication |