CN107423976A - One kind is without card method of payment and system - Google Patents
One kind is without card method of payment and system Download PDFInfo
- Publication number
- CN107423976A CN107423976A CN201710428392.5A CN201710428392A CN107423976A CN 107423976 A CN107423976 A CN 107423976A CN 201710428392 A CN201710428392 A CN 201710428392A CN 107423976 A CN107423976 A CN 107423976A
- Authority
- CN
- China
- Prior art keywords
- deposit
- user
- code
- payment
- password
- 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.)
- Granted
Links
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
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/351—Virtual cards
-
- 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
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
-
- 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
- G06Q20/18—Payment architectures involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
-
- 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
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/356—Aspects of software for card payments
Landscapes
- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Physics & Mathematics (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Finance (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Computer Networks & Wireless Communication (AREA)
- Economics (AREA)
- Development Economics (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
Abstract
The invention discloses one kind without card method of payment and system, the method comprising the steps of：The operation deposited code request and paid, deposit password corresponding to request user's input are inputted in response to user；After the deposit password for obtaining user's input, judge whether the match is successful with the deposit code for deposit password；In response to the situation that the match is successful, the payment that user needs to pay is obtained, and then the amount of cash of the deposit associated codes pay and draws button.The present invention is paid by using deposit code and deposit password, without bank card, good confidentiality, is not easy to reveal information, safe, can be widely applied in financial payment industry.
Description
Technical field
The present invention relates to financial payment technical field, more particularly to one kind without card method of payment and system.
Background technology
Explanation of nouns：
The use of bank debit and bank card is current most important financial payment mode, in this manner, uses
" money " at family is circulated by the network of bank between bank account → debit card/credit card → trade company.In addition, current payment
The precious means of payment or the wechat means of payment, it is by the way that after APP login accounts, the account of user is bound into bank card or binding
After identity information, pass through network so that " money " of user is circulated by network between different accounts.This mode, premise
It is that could be paid after binding bank card or binding identity card, operates relatively complicated, it is necessary to configure smart mobile phone, connect nothing
It could be used after line communication network, it is limited in the bad place application of wireless network signal, and by the shadow of APP popularization degree
Ring.Generally speaking, the mode paid after traditional bank card payment, or current binding bank card or account,
The easily relevant information of leakage user, it is easy to the event trace of user is obtained according to the payment information of user, is needed for some
The personnel to be maintained secrecy to event trace, such as perform the soldier of national secret mission or high secrecy is entered by enterprises and institutions
Property investigate people for, this means of payment easily reveals information, and security is not high, and carry cash mode exist easily
The problems such as damage, loss, security is low.
The content of the invention
In order to solve above-mentioned technical problem, provided it is an object of the invention to provide one kind without card method of payment, the present invention
Another object be to provide one kind without card paying system.
The technical solution adopted for the present invention to solve the technical problems is：
One kind is without card method of payment, including step：
The operation deposited code request and paid, deposit password corresponding to request user's input are inputted in response to user；
After the deposit password for obtaining user's input, judge whether the match is successful with the deposit code for deposit password；
In response to the situation that the match is successful, the payment that user needs to pay is obtained, and then by the deposit associated codes
Amount of cash carry out pay draw button.
Further, methods described is further comprising the steps of：
In response to user in the operation of automatic teller machine deposit cash, the amount of money of acquisition user's deposit cash；
Amount of cash and the deposit associated codes corresponding to produce a string of random deposit codes, that user is stored in, simultaneously
Deposit code is encrypted；
Payment platform is arrived into storage after deposit code after encryption and the deposit cryptographic association of user's input, while to user
Send the announcement information for including deposit code.
Further, after the deposit password for obtaining user's input, judge to deposit whether password matches with the deposit code
Successful step, it is specially：
After the deposit password for obtaining user's input, send it at payment platform and matched with the deposit code, and
Receive the matching result information of payment platform return, judge whether the match is successful with the deposit code for deposit password.
Further, after the deposit password for obtaining user's input, judge to deposit whether password matches with the deposit code
Successful step, it is specially：
After the deposit password for obtaining user's input, obtain from payment platform and gone forward side by side with the deposit password of the deposit associated codes
Row matching, and then according to matching result judge deposit password whether the match is successful with the deposit code.
Further, described that the operation deposited code request and paid is inputted in response to user, request user inputs corresponding
Deposit password the step of before, it is further comprising the steps of：
After the product and/or service that user's selection needs are bought, the payment for needing user to pay is calculated, and connect
Receive the payment information of user's input；
The payment information of user's input is parsed, user is obtained and inputs the operation that deposit code request is paid.
Further, the amount of cash by the deposit associated codes carries out paying the step of drawing button, and it is specially：
By the amount of cash of the deposit associated codes carry out pay draw button, and draw be fastened as work(after, will draw button payment gold
Forelock is sent to credit management system, and then updates the amount of cash of the deposit associated codes.
Further, described corresponding the step of producing a string of random deposit codes, be to produce deposit generation in the following manner
Code：
Preliminary random number is generated according to the specific time of the device numbering of automatic teller machine and deposit, so will tentatively with
After the specific time of deposit in machine number is converted into 32 system numbers, finally using the random number of acquisition as deposit code.
Another technical scheme is used by the present invention solves its technical problem：
One kind is without card paying system, including payment platform, credit management system, more payment terminals and Duo Tai automatic access
Money machine, the automatic teller machine is used for the cash for receiving user's deposit, and the amount of money of user's deposit cash is sent into deposit
Management system, the credit management system are used for after obtaining user and being stored in the amount of money of cash, corresponding to produce a string and random deposit
Money code, it is encrypted by the amount of cash and the deposit associated codes of user's deposit, while to deposit code, and will encryption
Deposit code afterwards arrives payment platform with storage after the deposit cryptographic association of user's input, while is sent to user comprising deposit generation
The announcement information of code, the payment platform are used to store the deposit code after encrypting and its deposit password of association；
The payment terminal includes processor and memory module, and the memory module is stored with execute instruction, the processing
Device is used for the execute instruction of load store module, so as to perform following steps：
The operation deposited code request and paid, deposit password corresponding to request user's input are inputted in response to user；
After the deposit password for obtaining user's input, judge whether the match is successful with the deposit code for deposit password；
In response to the situation that the match is successful, the payment that user needs, and then showing the deposit associated codes are obtained
The amount of money, which pay, draws button.
Further, the processor of the payment terminal is additionally operable to perform following steps：
After the product and/or service that user's selection needs are bought, the payment for needing user to pay is calculated, and connect
Receive the payment information of user's input；
The payment information of user's input is parsed, user is obtained and inputs the operation that deposit code request is paid.
Further, after the deposit password for obtaining user's input, judge to deposit whether password matches with the deposit code
Successful step, it is specially：
After the deposit password for obtaining user's input, send it at payment platform and matched with the deposit code, and
Receive the matching result information of payment platform return, judge whether the match is successful with the deposit code for deposit password；
Or
After the deposit password for obtaining user's input, obtain from payment platform and gone forward side by side with the deposit password of the deposit associated codes
Row matching, and then according to matching result judge deposit password whether the match is successful with the deposit code.
The beneficial effects of the invention are as follows：One kind of the present invention is without card method of payment, including step：Deposited in response to user's input
The operation that money code request is paid, deposit password corresponding to request user's input；After the deposit password for obtaining user's input,
Judge whether the match is successful with the deposit code for deposit password；In response to the situation that the match is successful, obtaining user needs what is paid
Payment, and then the amount of cash of the deposit associated codes pay and draws button.This method by using deposit code and
Deposit password is paid, and without bank card, good confidentiality, is not easy to reveal information, safe.
The present invention another beneficial effect be：The present invention's is a kind of without card paying system, including payment platform, deposit management
System, more payment terminals and Duo Tai automatic teller machines, the automatic teller machine are used for the cash for receiving user's deposit, and
The amount of money that user is stored in cash is sent to credit management system, and the credit management system is used to obtain user's deposit cash
The amount of money after, it is corresponding to produce a string of random deposit codes, by the amount of cash and the deposit associated codes of user's deposit, simultaneously
It is encrypted to depositing code, and deposit code that will be after encryption is paid with storing to arrive after the deposit cryptographic association of user's input
Platform, while the announcement information for including deposit code is sent to user, the payment platform is used to store the deposit generation after encryption
Code and its deposit password of association；The payment terminal includes processor and memory module, and the memory module is stored with execution
Instruction, the processor is used for the execute instruction of load store module, so as to perform following steps：Input and deposit in response to user
The operation that code request is paid, deposit password corresponding to request user's input；After the deposit password for obtaining user's input, sentence
Whether the match is successful with the deposit code for disconnected deposit password；In response to the situation that the match is successful, the payment gold that user needs is obtained
Volume, and then the amount of cash of the deposit associated codes pay and draws button.The system is by using deposit code and deposits close
Code is paid, and without bank card, good confidentiality, is not easy to reveal information, safe.
Brief description of the drawings
The invention will be further described with reference to the accompanying drawings and examples.
Fig. 1 is a kind of flow chart of no card method of payment of the present invention；
Fig. 2 is a kind of electronic block diagrams of no card paying system of the present invention.
Embodiment
Reference picture 1, the invention provides one kind without card method of payment, including step：
The operation deposited code request and paid, deposit password corresponding to request user's input are inputted in response to user；
After the deposit password for obtaining user's input, judge whether the match is successful with the deposit code for deposit password；
In response to the situation that the match is successful, the payment that user needs to pay is obtained, and then by the deposit associated codes
Amount of cash carry out pay draw button.
Preferred embodiment is further used as, methods described is further comprising the steps of：
In response to user in the operation of automatic teller machine deposit cash, the amount of money of acquisition user's deposit cash；
Amount of cash and the deposit associated codes corresponding to produce a string of random deposit codes, that user is stored in, simultaneously
Deposit code is encrypted；
Payment platform is arrived into storage after deposit code after encryption and the deposit cryptographic association of user's input, while to user
Send the announcement information for including deposit code.
Be further used as preferred embodiment, after the deposit password for obtaining user's input, judge to deposit password with
Deposit code the step of whether the match is successful, it is specially：
After the deposit password for obtaining user's input, send it at payment platform and matched with the deposit code, and
Receive the matching result information of payment platform return, judge whether the match is successful with the deposit code for deposit password.
Be further used as preferred embodiment, after the deposit password for obtaining user's input, judge to deposit password with
Deposit code the step of whether the match is successful, it is specially：
After the deposit password for obtaining user's input, obtain from payment platform and gone forward side by side with the deposit password of the deposit associated codes
Row matching, and then according to matching result judge deposit password whether the match is successful with the deposit code.
Preferred embodiment is further used as, it is described that the behaviour for depositing code request and being paid is inputted in response to user
Make, request user was inputted before corresponding the step of depositing password, further comprising the steps of：
After the product and/or service that user's selection needs are bought, the payment for needing user to pay is calculated, and connect
Receive the payment information of user's input；
The payment information of user's input is parsed, user is obtained and inputs the operation that deposit code request is paid.
Preferred embodiment is further used as, the amount of cash by the deposit associated codes, which pay, draws button
Step, it is specially：
By the amount of cash of the deposit associated codes carry out pay draw button, and draw be fastened as work(after, will draw button payment gold
Forelock is sent to credit management system, and then updates the amount of cash of the deposit associated codes.
Preferred embodiment is further used as, described corresponding the step of producing a string of random deposit codes, is to pass through
In the following manner produces deposit code：
Preliminary random number is generated according to the specific time of the device numbering of automatic teller machine and deposit, so will tentatively with
After the specific time of deposit in machine number is converted into 32 system numbers, finally using the random number of acquisition as deposit code.
Reference picture 2, present invention also offers one kind without card paying system, including payment platform, credit management system, more
Payment terminal and Duo Tai automatic teller machines, the automatic teller machine is used for the cash for receiving user's deposit, and user is deposited
The amount of money for entering cash is sent to credit management system, and the credit management system is used to obtain the amount of money of user's deposit cash
Afterwards, it is corresponding to produce a string of random deposit codes, by the amount of cash and the deposit associated codes of user's deposit, while to deposit
Code is encrypted, and storage after the deposit code after encryption and the deposit cryptographic association of user's input is arrived into payment platform,
Simultaneously to user send comprising deposit code announcement information, the payment platform be used for store encryption after deposit code and its
The deposit password of association；
The payment terminal includes processor and memory module, and the memory module is stored with execute instruction, the processing
Device is used for the execute instruction of load store module, so as to perform following steps：
The operation deposited code request and paid, deposit password corresponding to request user's input are inputted in response to user；
After the deposit password for obtaining user's input, judge whether the match is successful with the deposit code for deposit password；
In response to the situation that the match is successful, the payment that user needs, and then showing the deposit associated codes are obtained
The amount of money, which pay, draws button.
Preferred embodiment is further used as, the processor of the payment terminal is additionally operable to perform following steps：
After the product and/or service that user's selection needs are bought, the payment for needing user to pay is calculated, and connect
Receive the payment information of user's input；
The payment information of user's input is parsed, user is obtained and inputs the operation that deposit code request is paid.
Be further used as preferred embodiment, after the deposit password for obtaining user's input, judge to deposit password with
Deposit code the step of whether the match is successful, it is specially：
After the deposit password for obtaining user's input, send it at payment platform and matched with the deposit code, and
Receive the matching result information of payment platform return, judge whether the match is successful with the deposit code for deposit password；
Or
After the deposit password for obtaining user's input, obtain from payment platform and gone forward side by side with the deposit password of the deposit associated codes
Row matching, and then according to matching result judge deposit password whether the match is successful with the deposit code.
Illustrate the specific embodiment of the present invention below：
One kind is without card method of payment, including step：
Step 1, the operation of cash is stored in automatic teller machine in response to user, obtains the amount of money that user is stored in cash.
For user when automatic teller machine saves, the credit management system on backstage obtains the amount of cash of deposit.
Step 2, it is corresponding to produce a string of random deposit codes, the amount of cash of user's deposit is closed with the deposit code
Connection, while deposit code is encrypted.
This step is to produce deposit code in the following manner：
Preliminary random number is generated according to the specific time of the device numbering of automatic teller machine and deposit, so will tentatively with
After the specific time of deposit in machine number is converted into 32 system numbers, finally using the random number of acquisition as deposit code.
The device numbering of automatic teller machine is that unique identification equipment belongs to bank, one group of code of infield, by
Letter and ten's digit composition, every automatic teller machine have unique device numbering, therefore, can be as random
A several parts.The specific time of deposit includes the date Hour Minute Second of deposit, wherein, the date of deposit is decimal number
Word, totally 8, the Hour Minute Second of deposit is 24 hours system numerals, totally 6, deposit date Hour Minute Second then is converted into 32 again and entered
After number processed, using the random number of " system of device numbering+32 of automatic teller machine " of acquisition as deposit code.The manner can be with
The uniqueness of guaranteed deposit code, beneficial to the implementation of this method of payment.
Step 3, payment platform is arrived into storage after the deposit code after encryption and the deposit cryptographic association of user's input, simultaneously
The announcement information for including deposit code is sent to user.Announcement information can be sent by short message mode, can also pass through mail
Mode is sent, i.e., sends SMS notification information to user mobile phone, or send mail notification message to subscriber mailbox.Other,
Deposit code and amount deposited can also directly be printed to the user to deposit directly by way of printing small paper slip.
In this programme, payment platform is independently of the platform for being used to carry out payment management of deposit at bank management system,
By this platform, user can realize to be paid without card.
Step 4, after the product and/or service that user's selection needs are bought, the payment gold for needing user to pay is calculated
Volume, and receive the payment information of user's input；
Step 5, the payment information of user's input is parsed, user is obtained and inputs the operation that deposit code request is paid.
The payment information of user's input can have a variety of situations, including the situation using traditional means of payment, this method obtain in parsing
User input deposit code request paid after, matching operation corresponding to execution, continue executing with this method without card payment
Step.
Step 6, the operation deposited code request and paid is inputted in response to user, is deposited corresponding to request user's input
Password.After window request user corresponding to the ejection of this step inputs deposit password, the deposit password of user's input is received.
Step 7, after the deposit password for obtaining user's input, judge whether the match is successful with the deposit code for deposit password；
This step can have two kinds of implementations, and a kind of is that matching behaviour is performed locally after the deposit password of payment platform storage is obtained
Make, one kind is that deposit password is sent on payment platform to carry out matching operation, and first way is specially：Obtain user's input
Deposit password after, send it at payment platform and matched with the deposit code, and receive payment platform return
With object information, judge whether the match is successful with the deposit code for deposit password.The second way is specially：Obtain user's input
Deposit password after, obtain and the deposit passwords of the deposit associated codes and matched from payment platform, and then according to matching
As a result judge whether the match is successful with the deposit code for deposit password.
Step 8, in response to the situation that the match is successful, the payment that user needs to pay is obtained, and then by the deposit generation
The amount of cash of code association, which pay, draws button.The amount of cash of the deposit associated codes is carried out to pay the step of drawing button, its
Specially：By the amount of cash of the deposit associated codes carry out pay draw button, and draw be fastened as work(after, will draw button payment
Credit management system is sent to, and then updates the amount of cash of the deposit associated codes.
Illustrate another specific embodiment of the present invention below：
One kind is without card paying system, for realizing being managed without card method of payment, including payment platform, deposit for previous embodiment
Reason system, more payment terminals and Duo Tai automatic teller machines, the automatic teller machine are used for the cash for receiving user's deposit,
And the amount of money that user is stored in cash is sent to credit management system, the credit management system is used to obtain user's deposit now
Amount of cash and the deposit associated codes corresponding to produce a string of random deposit codes after the amount of money of gold, that user is stored in, together
When deposit code is encrypted, and will be after encryption deposit code and user input deposit cryptographic association after storage to branch
Platform is paid, while the announcement information for including deposit code is sent to user, the payment platform is used to store the deposit after encryption
Code and its deposit password of association；
The payment terminal includes processor and memory module, and the memory module is stored with execute instruction, the processing
Device is used for the execute instruction of load store module, so as to perform following steps：
The operation deposited code request and paid, deposit password corresponding to request user's input are inputted in response to user；
After the deposit password for obtaining user's input, judge whether the match is successful with the deposit code for deposit password；
In response to the situation that the match is successful, the payment that user needs, and then showing the deposit associated codes are obtained
The amount of money, which pay, draws button.
Preferred embodiment is further used as, the processor of the payment terminal is additionally operable to perform following steps：
After the product and/or service that user's selection needs are bought, the payment for needing user to pay is calculated, and connect
Receive the payment information of user's input；
The payment information of user's input is parsed, user is obtained and inputs the operation that deposit code request is paid.
As it was previously stated, after the deposit password for obtaining user's input, judge to deposit password and the deposit code whether
With successful step, it is specially：
After the deposit password for obtaining user's input, send it at payment platform and matched with the deposit code, and
Receive the matching result information of payment platform return, judge whether the match is successful with the deposit code for deposit password；
Or
After the deposit password for obtaining user's input, obtain from payment platform and gone forward side by side with the deposit password of the deposit associated codes
Row matching, and then according to matching result judge deposit password whether the match is successful with the deposit code.
As can be seen here, each building block of the present embodiment is respectively used to perform the different step in preceding method, automatically
Automatic teller machine is used to perform the savings function in step 1, and credit management system is used for the data processing function for performing step 1~3,
Payment platform is used to perform step 6-8, and payment terminal is used to performing step 4 and 5, the detailed restriction of each step with it is above consistent.
Automatic teller machine, credit management system, payment platform and payment terminal are to have done function limitations to the function of realization, real
On border, it can be realized, can also be realized with multiple parts with a part, this can also be realized with a total part
One or two in several parts, such as credit management system and payment platform are assembled into an entirety and realized.Deposit pipe
What reason system referred to associate with automatic teller machine can realize the system that deposit manages, and can directly utilize the existing pipe of bank
Reason system or the system of user oneself exploitation.User be stored in cash operation in, can be directly stored in it is existing
Automatic teller machine, automatic teller machine transmit data to deposit at bank management system, and payment platform with deposit by managing
Reason system establishes connection, gets the amount of cash of user's deposit.Can also individually develop one in automatic teller machine
APP, after user is by clicking on the APP, into deposit operation interface after carry out corresponding deposit operation again, now, deposit management
System is the background management system corresponding with the APP of user oneself exploitation.Payment terminal can be the computer of trade company, Ke Yishi
What is be separately provided is positioned over the shopping terminals of major public place, can also be only a carrier for carrying paying website,
Can be the automatic teller machine with shopping APP, payment terminal is mainly used in after being done shopping for user's operation, realizes this branch
The mode of paying.When payment terminal is the situation of the automatic teller machine with the shopping APP that can realize this method, this method can
By be deposit step and payment step respectively in different automatic teller machine execution in a manner of or deposit automatically at one
Cash dispenser performs the mode of deposit step and payment step simultaneously, and the program with reference to backstage is realized credit management system and paid flat
The function of platform, you can the institute of this method is realized on an automatic teller machine with the shopping APP that can realize this method
There is delivery operation, realize and paid without card.
The system is paid by using deposit code and deposit password, without bank card, good confidentiality, is not easy to reveal
Information, it is safe.On the one hand the payment demand of the people of privacy requirements can be met, on the other hand, can meet only to like using
The demand of the user to pay in cash, and it is safer, the people of no bank card or finance account can also be facilitated to carry out net
Purchase, more easily selected in addition, this means of payment can also be provided often to carry out the user for international soft dollars/collect
Select.
Above is the preferable implementation to the present invention is illustrated, but the invention is not limited to the implementation
Example, those skilled in the art can also make a variety of equivalent variations on the premise of without prejudice to spirit of the invention or replace
Change, these equivalent modifications or replacement are all contained in the application claim limited range.
Claims (10)
1. one kind is without card method of payment, it is characterised in that including step：
The operation deposited code request and paid, deposit password corresponding to request user's input are inputted in response to user；
After the deposit password for obtaining user's input, judge whether the match is successful with the deposit code for deposit password；
In response to the situation that the match is successful, the payment that user needs to pay, and then showing the deposit associated codes are obtained
The amount of money, which pay, draws button.
2. one kind according to claim 1 is without card method of payment, it is characterised in that methods described is further comprising the steps of：
In response to user in the operation of automatic teller machine deposit cash, the amount of money of acquisition user's deposit cash；
It is corresponding to produce a string of random deposit codes, by the amount of cash and the deposit associated codes of user's deposit, while to depositing
Money code is encrypted；
Payment platform is arrived into storage after deposit code after encryption and the deposit cryptographic association of user's input, while sent to user
Include the announcement information of deposit code.
3. one kind according to claim 1 is without card method of payment, it is characterised in that the deposit of the acquisition user input is close
After code, the step of judging to deposit password and the deposit code whether the match is successful, it is specially：The deposit for obtaining user's input is close
After code, send it at payment platform and matched with the deposit code, and receive the matching result letter of payment platform return
Breath, judge whether the match is successful with the deposit code for deposit password.
4. one kind according to claim 1 is without card method of payment, it is characterised in that the deposit of the acquisition user input is close
After code, the step of judging to deposit password and the deposit code whether the match is successful, it is specially：The deposit for obtaining user's input is close
After code, obtain the deposit password with the deposit associated codes from payment platform and matched, and then judged according to matching result
Depositing password, whether the match is successful with the deposit code.
5. one kind according to claim 1 is without card method of payment, it is characterised in that described to input deposit generation in response to user
It is further comprising the steps of before the step of code asks the operation paid, and request user inputs corresponding deposit password：
After the product and/or service that user's selection needs are bought, the payment for needing user to pay is calculated, and receive use
The payment information of family input；
The payment information of user's input is parsed, user is obtained and inputs the operation that deposit code request is paid.
6. one kind according to claim 1 is without card method of payment, it is characterised in that the showing the deposit associated codes
The amount of money carries out paying the step of drawing button, and it is specially：
By the amount of cash of the deposit associated codes carry out pay draw button, and draw be fastened as work(after, by draw button a payment send out
Credit management system is sent to, and then updates the amount of cash of the deposit associated codes.
7. one kind according to claim 2 is without card method of payment, it is characterised in that described corresponding to produce a string and random deposit
The step of money code, it is to produce deposit code in the following manner：
Preliminary random number is generated according to the specific time of the device numbering of automatic teller machine and deposit, and then by preliminary random number
In deposit the specific time be converted into 32 system numbers after, finally using the random number of acquisition as deposit code.
8. one kind is without card paying system, it is characterised in that including payment platform, credit management system, more payment terminals and more
Platform automatic teller machine, the automatic teller machine are used for the cash for receiving user's deposit, and user is stored in the amount of money of cash
Credit management system is sent to, the credit management system is used for after obtaining user and being stored in the amount of money of cash, corresponding to produce one
Go here and there random deposit code, be encrypted by the amount of cash and the deposit associated codes of user's deposit, while to deposit code,
And payment platform is arrived into storage after the deposit code after encryption and the deposit cryptographic association of user's input, while sent to user
The announcement information of deposit code is included, the deposit of deposit code and its association that the payment platform is used to store after encrypting is close
Code；
The payment terminal includes processor and memory module, and the memory module is stored with execute instruction, and the processor is used
In the execute instruction of load store module, so as to perform following steps：
The operation deposited code request and paid, deposit password corresponding to request user's input are inputted in response to user；
After the deposit password for obtaining user's input, judge whether the match is successful with the deposit code for deposit password；
In response to the situation that the match is successful, the payment that user needs is obtained, so the cash of the deposit associated codes is golden
Volume, which pay, draws button.
9. one kind according to claim 8 is without card paying system, it is characterised in that the processor of the payment terminal is also used
In execution following steps：
After the product and/or service that user's selection needs are bought, the payment for needing user to pay is calculated, and receive use
The payment information of family input；
The payment information of user's input is parsed, user is obtained and inputs the operation that deposit code request is paid.
10. one kind according to claim 8 is without card paying system, it is characterised in that the deposit for obtaining user's input
After password, the step of judging to deposit password and the deposit code whether the match is successful, it is specially：
After the deposit password for obtaining user's input, send it at payment platform and matched with the deposit code, and receive
The matching result information that payment platform returns, judge whether the match is successful with the deposit code for deposit password；
Or
After the deposit password for obtaining user's input, obtained and the deposit password of the deposit associated codes and progress from payment platform
Match somebody with somebody, so according to matching result judge deposit password whether the match is successful with the deposit code.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710428392.5A CN107423976B (en) | 2017-06-08 | 2017-06-08 | Card-free payment method and system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710428392.5A CN107423976B (en) | 2017-06-08 | 2017-06-08 | Card-free payment method and system |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN107423976A true CN107423976A (en) | 2017-12-01 |
| CN107423976B CN107423976B (en) | 2020-04-17 |
Family
ID=60429423
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201710428392.5A Active CN107423976B (en) | 2017-06-08 | 2017-06-08 | Card-free payment method and system |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN107423976B (en) |
Citations (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20070022046A1 (en) * | 2005-07-25 | 2007-01-25 | Blackhawk Marketing Services, Inc. | Payment program for use in point-of-sale transactions |
| CN103400265A (en) * | 2013-07-04 | 2013-11-20 | 徐业军 | Quick payment method and system based on position information |
| CN103688252A (en) * | 2011-07-18 | 2014-03-26 | 拉比·巴卢特 | A kit, system and associated method and service for providing a platform that allows for the dispensation of cash |
| CN103927647A (en) * | 2014-04-21 | 2014-07-16 | 李伟伟 | P2P network mutual assistance money depositing and withdrawing method based on third party payment platform |
| CN105575014A (en) * | 2015-12-31 | 2016-05-11 | 北京智能果技术有限公司 | Communication method of intelligent POS terminal and intelligent POS terminal |
| CN106485851A (en) * | 2016-09-26 | 2017-03-08 | 深圳大学 | A kind of nothing card automatic teller machine and nothing card withdrawal system |
-
2017
- 2017-06-08 CN CN201710428392.5A patent/CN107423976B/en active Active
Patent Citations (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20070022046A1 (en) * | 2005-07-25 | 2007-01-25 | Blackhawk Marketing Services, Inc. | Payment program for use in point-of-sale transactions |
| CN103688252A (en) * | 2011-07-18 | 2014-03-26 | 拉比·巴卢特 | A kit, system and associated method and service for providing a platform that allows for the dispensation of cash |
| CN103400265A (en) * | 2013-07-04 | 2013-11-20 | 徐业军 | Quick payment method and system based on position information |
| CN103927647A (en) * | 2014-04-21 | 2014-07-16 | 李伟伟 | P2P network mutual assistance money depositing and withdrawing method based on third party payment platform |
| CN105575014A (en) * | 2015-12-31 | 2016-05-11 | 北京智能果技术有限公司 | Communication method of intelligent POS terminal and intelligent POS terminal |
| CN106485851A (en) * | 2016-09-26 | 2017-03-08 | 深圳大学 | A kind of nothing card automatic teller machine and nothing card withdrawal system |
Also Published As
| Publication number | Publication date |
|---|---|
| CN107423976B (en) | 2020-04-17 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| US11481767B2 (en) | Mobile commerce payment system | |
| CN104680361B (en) | A kind of enchashment method and system based on third-party platform | |
| CN104599408B (en) | Third party's account ATM withdrawal method and system based on dynamic two-dimension code | |
| CN108012268A (en) | A kind of mobile phone terminal SIM card and the method for safe handling App, medium | |
| CN105989466A (en) | Method of payment with mobile phone | |
| CN103400265A (en) | Quick payment method and system based on position information | |
| CN101562659A (en) | Method and system for collecting TV fee by virtue of cellphones | |
| CN101976402A (en) | Mobile phone payment system and method | |
| CN104200365A (en) | Writing and paying method for electronic check | |
| CN101840606A (en) | Credit card payment system and method based on mobile payment and bill active pushing | |
| CN103198428A (en) | System and method for air depositing and withdrawing of bank | |
| CN101976403A (en) | Phone number payment platform, payment trading system and method thereof | |
| CN110197376A (en) | A kind of cross-border electric business internet finance method of mobile payment | |
| CN101730023A (en) | Method and system for payment by using short messages | |
| CN101523449B (en) | Method and system for encrypting transfer that the transfer code adding the user-defined arithmetic equal to the bank password | |
| CN104778527A (en) | Novel membership card management system | |
| CN101866464A (en) | Method for realizing mobile-phone payment in phone order | |
| CN104636910A (en) | Mobile handheld terminal, payment system and payment method | |
| CN101093593A (en) | Electronic pay off method by value stored card or gathering and paying card, ID authentication terminal, and system | |
| CN201993844U (en) | Mobile phone number payment platform and payment trade system | |
| CN109284991A (en) | A kind of personal credit payment system and its method of payment | |
| CN104463645B (en) | A kind of system and method for issuing electronic invoice based on SIM card | |
| CN107423976A (en) | One kind is without card method of payment and system | |
| CN202711298U (en) | Mobile phone bank card | |
| CN101859460A (en) | Cash proxy-charging method based on mobile phone payment |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| GR01 | Patent grant | ||
| GR01 | Patent grant |