CN107705111A - Electric paying method and device - Google Patents
Electric paying method and device Download PDFInfo
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- CN107705111A CN107705111A CN201611099731.1A CN201611099731A CN107705111A CN 107705111 A CN107705111 A CN 107705111A CN 201611099731 A CN201611099731 A CN 201611099731A CN 107705111 A CN107705111 A CN 107705111A
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- account
- numerical value
- transaction
- payment
- phone number
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/102—Bill distribution or payments
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
- G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
- G06Q20/29—Payment schemes or models characterised by micropayments
-
- 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
-
- 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
- G06Q20/387—Payment using discounts or coupons
-
- 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
- G06Q20/405—Establishing or using transaction specific rules
Abstract
The invention discloses a kind of electric paying method, the electric paying method comprises the following steps：When receiving the payment request based on the phone number triggering in mobile terminal addressbook, according to the payment acquisition request transaction numerical value；Judge whether the transaction numerical value is default less than or equal to first and exempt from close transaction limit；If the transaction numerical value is default less than or equal to first to exempt from close transaction limit, the transaction numerical value is delivered to the account with phone number binding.The invention also discloses a kind of payment devices.The present invention can be rapidly completed electronic transaction.
Description
Technical field
The present invention relates to the technical field of electronic transaction, more particularly to a kind of electric paying method and device.
Background technology
With the high speed development of the network information security, user can be traded by network.At present, user by bank card,
Stored value card and points account etc. are bound with phone number, and user can be to carrying out in mobile terminal corresponding to binding cell-phone number
Pay or merchandise.It is mobile whole because the type of trading account is different but user using mobile terminal when being paid or being merchandised
End need to show that different payment interfaces could be completed to pay or merchandise, it has not been convenient to which user operates with.
The content of the invention
It is a primary object of the present invention to propose a kind of electric paying method and device, it is intended to which solving mobile terminal needs to show
Different payment interfaces could be completed to pay or merchandise, it has not been convenient to the technical problem that user operates with.
To achieve the above object, a kind of electric paying method provided by the invention, the electric paying method include following
Step：
When receiving payment request of the user based on the phone number triggering in mobile terminal addressbook, according to the branch
Pay acquisition request transaction numerical value；
Judge whether the transaction numerical value is default less than or equal to first and exempt from close transaction limit；
If the transaction numerical value is default less than or equal to first to exempt from close transaction limit, the transaction numerical value is delivered to
With the account of phone number binding.
Alternatively, if the transaction numerical value is default less than or equal to first to exempt from close transaction limit, by the transaction numerical value
The step of being delivered to the account bound with the phone number includes：
With the phone number binding account be one when, by it is described transaction numerical value be delivered to the mobile phone
The account of number binding；
When the account bound with the phone number is multiple, the account with phone number binding is shown；
When receiving the account selection instruction of user's triggering, account corresponding to the account selection instruction is obtained；
The transaction numerical value is delivered to account corresponding to the account selection instruction.
Alternatively, it is described according to the step of payment acquisition request transaction numerical value before, the electronic transaction branch is repaid
Including：
Receive user based in mobile terminal addressbook phone number triggering payment request when, display with branch
Pay the payment account of square phone number binding；
When receiving the payment account selection instruction of user's triggering, obtain and propped up corresponding to the payment account selection instruction
Pay a bill family.
Alternatively, it is described judge the transaction numerical value whether be less than or equal to first default the step of exempting from close transaction limit it
Afterwards, the electric paying method also includes：
If the transaction numerical value be less than or equal to first it is default exempt from close transaction limit, by the transaction numerical value with it is default when
Between historical trading numerical value in interval be added and obtain total transaction numerical value；
Judge whether total transaction numerical value is default less than or equal to second and exempt from close transaction limit, wherein, described first is pre-
If exempting from, close transaction limit is default less than described second to exempt from close transaction limit；
If so, then perform the step of transaction numerical value is delivered to the account bound with the phone number；
If it is not, then the prompt message that close amount has surpassed is exempted from display.
Alternatively, the electric paying method also includes：
When the payment account for receiving user's triggering adds instruction, payment account inputting interface is shown；
When receiving the payment account that user is inputted based on the payment account inputting interface, by the payment account with
Payer phone number is bound.
In addition, to achieve the above object, the present invention also provides a kind of payment devices, the payment devices bag
Include：
First acquisition module, for receiving payment of the user based on the phone number triggering in mobile terminal addressbook
During request, according to the payment acquisition request transaction numerical value；
Judge module, exempt from close transaction limit for judging whether the transaction numerical value is default less than or equal to first；
Module is provided, exempts from close transaction limit if being less than or equal to first for the transaction numerical value and presetting, by the friendship
Easy numerical value is delivered to the account with phone number binding.
Alternatively, the granting module includes：
Issuing unit, for with the phone number binding account be one when, by it is described transaction numerical value granting
To the account with phone number binding；
Display unit, for with the phone number binding account for it is multiple when, display with the cell-phone number
The account of code binding；
Selecting unit, for when receiving the account selection instruction of user's triggering, obtaining the account selection instruction pair
The account answered；
The issuing unit, it is additionally operable to the transaction numerical value being delivered to account corresponding to the account selection instruction.
Alternatively, the payment devices also include：
The display module, it is additionally operable to receiving branch of the user based on the phone number triggering in mobile terminal addressbook
When paying request, the payment account with the binding of payer phone number is shown；
Second acquisition module, for when receiving the payment account selection instruction of user's triggering, obtaining the branch and paying a bill
Payment account corresponding to the selection instruction of family.
Alternatively, the payment devices also include：
Summation module, exempt from close transaction limit if being less than or equal to first for the transaction numerical value and presetting, user is defeated
The transaction numerical value entered is added the total transaction numerical value of acquisition with the historical trading numerical value in prefixed time interval；
The judge module, is additionally operable to judge whether total transaction numerical value is less than or equal to second and default exempts from close turnover
Degree, wherein, described first default exempts from that close transaction limit is default less than described second to exempt from close transaction limit；
The granting module, if being additionally operable to, total transaction numerical value is default less than or equal to second to exempt from close transaction limit,
The transaction numerical value is delivered to the account with phone number binding；
The display module, if being additionally operable to, total transaction numerical value is default more than second to exempt from close transaction limit, and display is exempted from
The prompt message that close amount has surpassed.
Alternatively, the payment devices also include：
The display module, it is additionally operable to, when the payment account for receiving user's triggering adds instruction, show payment account
Inputting interface；
Binding module, for when receiving the payment account that user is inputted based on the payment account inputting interface, inciting somebody to action
Payment account mobile terminal phone number corresponding with payment account addition instruction is bound.
The present invention receive user based in mobile terminal addressbook phone number triggering payment request when, according to
The payment acquisition request transaction numerical value, then the transaction numerical value be less than or equal to first it is default exempt from close transaction limit when, will
The transaction numerical value of user's input is delivered to the account with phone number binding, and user can select to receive in address list in this programme
The phone number of money side carries out electronic transaction, convenient for the user to operate, and sets and exempt from close transaction limit, can be rapidly completed electronics friendship
Easily.
Brief description of the drawings
Fig. 1 is the schematic flow sheet of electric paying method first embodiment of the present invention；
Fig. 2 is that the transaction numerical value is delivered into the account with phone number binding in second embodiment of the invention
The refinement schematic flow sheet of step；
Fig. 3 is the schematic flow sheet of electric paying method 3rd embodiment of the present invention；
Fig. 4 is the schematic flow sheet of electric paying method fourth embodiment of the present invention；
Fig. 5 is the schematic flow sheet of the embodiment of electric paying method the 5th of the present invention；
Fig. 6 is the high-level schematic functional block diagram of payment devices first embodiment of the present invention；
Fig. 7 is the refinement high-level schematic functional block diagram that module is provided described in second embodiment of the invention；
Fig. 8 is the high-level schematic functional block diagram of payment devices 3rd embodiment of the present invention；
Fig. 9 is the high-level schematic functional block diagram of payment devices fourth embodiment of the present invention；
Figure 10 is the high-level schematic functional block diagram of the embodiment of payment devices the 5th of the present invention.
The realization, functional characteristics and advantage of the object of the invention will be described further referring to the drawings in conjunction with the embodiments.
Embodiment
It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, it is not intended to limit the present invention.
The present invention can be used for mobile terminal, desktop computer and notebook computer etc..The mobile terminal include smart mobile phone and
Tablet personal computer etc..In the examples below, illustrated by taking smart mobile phone as an example.
The present invention provides a kind of electric paying method.
Reference picture 1, Fig. 1 are the schematic flow sheet of electric paying method first embodiment of the present invention.
In the present embodiment, the electric paying method includes：
Step S10, when receiving payment request of the user based on the phone number triggering in mobile terminal addressbook, root
According to the payment acquisition request transaction numerical value；
The phone number is the phone number of beneficiary, and the account can be bank card account, points account, electronic offers
Certificate account, Alipay account, wechat account and stored value card etc..The bank card account can be deposit card account and credit card account
Family etc..
Smart mobile phone in receiving user based on mobile terminal addressbook phone number trigger payment request when, according to
Payment acquisition request transaction numerical value.In specific implementation, after user selects the phone number in intelligent mobile phone address list, display should
The function choosing-item of phone number, such as SMS option, communication function option and payment function option, then selection pay work(
Energy option triggering pays request, and now the smart mobile phone can show the inputting interface or input frame of transaction numerical value for this, and can be at this
The transaction numerical value of different numerical value is shown in inputting interface or below input frame, is selected for user, i.e., user can directly input transaction
Numerical value, also option trading numerical value inputted.User inputs transaction numerical value by the display interface, i.e., smart mobile phone, which receives, uses
The transaction numerical value of family input.
In another specific implementation, payment button is provided with smart mobile phone, after user touches or clicks on the payment button,
Into in the address list of smart mobile phone, user can select phone number in address list, and request is paid so as to trigger.More
In specific implementation, the smart mobile phone can show the inputting interface of phone number, and now user can pass through smart mobile phone input handset
Number, hence into payment interface.Certainly can enter the smart mobile phone address list when, carry out password authentification, only when with
After the password of family input is by checking, in smart mobile phone ability entry communication record, so as to Transaction Safety.
Step S20, judge whether the transaction numerical value is default less than or equal to first and exempt from close transaction limit；
The first default transaction limit for exempting from close transaction limit for user to corresponding trading account mandate, such as bank card account
Family, user exempt from close transaction limit to bank authorization, acquisition.Certainly in other trading accounts, user is also needed to corresponding transaction
Account authorization exempts from close transaction limit corresponding to could obtaining.The payment acquisition request number of deals that the smart mobile phone triggers according to user
After value, judge whether the transaction numerical value is default less than or equal to first and exempt from close transaction limit., can be in the intelligence in specific implementation
Shown in the display interface of mobile phone this first it is default exempt from close transaction limit, and after the completion of each transaction, what real-time update was shown
Exempt from close transaction limit, be easy to user to know to exempt from the surplus value of close transaction limit when numerical value is merchandised in input.
Step S30, if the transaction numerical value is default less than or equal to first to exempt from close transaction limit, by the transaction numerical value
It is delivered to the account with phone number binding.
The smart mobile phone finds that transaction numerical value that user inputs is less than or equal to this and first default exempts from close transaction by verifying
Amount, the transaction numerical value that user inputs now is delivered to the account with phone number binding, so as to complete electronic transaction.Tool
During body is implemented, when the transaction numerical value exempts from close transaction limit more than first, password authentification interface can be shown in smart mobile phone, when
After the password of user's input is by checking, the transaction numerical value that user inputs is delivered to the account with phone number binding.When
It so also can control smart mobile phone to exit this electronic transaction, and show the prompt message of this electronic transaction failure.
In the present embodiment, smart mobile phone of the present invention is receiving user based on the phone number in mobile terminal addressbook
During the payment request of triggering, according to the payment acquisition request transaction numerical value, and it is less than or equal in the transaction numerical value and exempts from close friendship
During easy amount, the transaction numerical value that user inputs is delivered to the account with phone number binding, this programme by address list and
Electronic transaction is combined, and smart mobile phone need not show different payment interfaces, facilitates user's selection when carrying out electronic transaction
Phone number, and set and exempt from close transaction limit, electronic transaction can be rapidly completed.
Further, reference picture 2, can be obtained in electric paying method second embodiment of the present invention based on above-mentioned first embodiment
The refinement schematic flow sheet of the step S30, in the present embodiment, the step S30 include：
Step S31, with the phone number binding account be one when, by it is described transaction numerical value be delivered to
The account of the phone number binding；
Step S32, when the account bound with the phone number is multiple, display is bound with the phone number
Account；
Step S33, when receiving the account selection instruction of user's triggering, obtain account corresponding to the account selection instruction
Family；
Step S34, the transaction numerical value is delivered to account corresponding to the account selection instruction.
The smart mobile phone judges whether the transaction numerical value is less than or equal to the after the transaction numerical value of user's input is received
One it is default exempt from close transaction limit, then the transaction numerical value be less than or equal to first it is default exempt from close transaction limit, and with this
When the account of phone number binding is one, the transaction numerical value is delivered to the account with phone number binding, and
With the account of phone number binding for it is multiple when, the display account with phone number binding, now user can be
The account being traded is selected in the binding account of display, when the smart mobile phone is receiving the account selection instruction of user's triggering
When, select account selection instruction corresponding to account, and by user input transaction numerical value be delivered to user select and with
The account of phone number binding.In specific implementation, the account with phone number binding can be zero, be when the account
During zero, the smart mobile phone display reminding information, when the account is multiple, the selection of smart mobile phone selection user's triggering refers to
Account corresponding to order, and the number of each account of user's selection is recorded, and descending arrangement is carried out according to the number, in cell-phone number
After code locking, the account after arrangement is shown.
In the present embodiment, the present invention exempts from close transaction limit in the transaction numerical value of user's input less than or equal to first, and
When the account bound with the phone number is one, the transaction numerical value is delivered to what is bound with the phone number
Account, and when the account bound with the phone number is multiple, show the account with phone number binding, Ran Hou
When receiving the account selection instruction of user's triggering, account corresponding to acquisition, and the transaction numerical value that user is inputted is delivered to use
Family selection, and it is convenient by showing the account bound with the phone number with the account of phone number binding, this programme
User selects.
Further, reference picture 3, it is real that electric paying method the 3rd of the present invention can be obtained based on above-mentioned first or second embodiments
The schematic flow sheet of example is applied, in the present embodiment, before the step S10, the electric paying method also includes：
Step S40, when receiving payment request of the user based on the phone number triggering in mobile terminal addressbook, show
Show the payment account with the binding of payer phone number；
Step S50, when receiving the payment account selection instruction of user's triggering, obtain the payment account selection instruction
Corresponding payment account.
The smart mobile phone receive user based in mobile terminal addressbook phone number triggering payment request when,
The payment account that display has been bound with payer phone number, in specific implementation, the payer phone number can be the intelligence
The loCal number of mobile phone, or the other phone numbers being in the possession of the user of the input of user.Now receiving use
During the payment account selection instruction of the triggering at family, the smart mobile phone obtains payment account corresponding to the payment account selection instruction,
Then according to payment acquisition request transaction numerical value, and preset in the transaction numerical value less than or equal to first and exempt from close transaction limit
When, the transaction numerical value is delivered to the account with phone number binding.
In the present embodiment, branch of the smart phone user of the present invention based on the phone number triggering in mobile terminal addressbook
When paying request, the payment account with the binding of payer phone number is shown, is then obtaining the payment account choosing of user's triggering
When selecting instruction, payment account corresponding to acquisition, then according to payment acquisition request transaction numerical value, and it is less than in the transaction numerical value
Or equal to first it is default exempt from close transaction limit when, produce the transaction numerical value from the payment account, and to the phone number
The transaction numerical value is transferred in the account of binding, this programme is by showing the payment account bound with payer phone number, just
Payment account is selected in user.
Further, reference picture 4, electric paying method of the present invention can be obtained based on above-mentioned first, second or third embodiment
The schematic flow sheet of fourth embodiment, in the present embodiment, after the step S20, the electric paying method also includes：
Step S60, if the transaction numerical value is default less than or equal to first to exempt from close transaction limit, by the transaction numerical value
The total transaction numerical value of acquisition is added with the historical trading numerical value in prefixed time interval；
Step S70, judge whether total transaction numerical value is default less than or equal to second and exempt from close transaction limit, wherein, institute
State first and default exempt from that close transaction limit is default less than described second to exempt from close transaction limit；
If always transaction numerical value is default less than or equal to second exempts from close transaction limit, step S30 is performed, described will be merchandised
Numerical value is delivered to the account with phone number binding；
Step S80, if always transaction numerical value is default more than second exempts from close transaction limit, the prompting that close amount has surpassed is exempted from display
Information.
This first default exempted from close transaction limit and second default exempts from close transaction limit less than this.The smart mobile phone is receiving use
After family input transaction numerical value, judge whether the transaction numerical value is default less than or equal to first and exempt from close transaction limit, if transaction numerical value
The historical trading numerical value exempted from close transaction limit, then obtain in prefixed time interval default less than or equal to first, and this is merchandised
Numerical value is added the total transaction numerical value of acquisition with the historical trading numerical value.In specific implementation, it is not present, that is, uses in the historical trading numerical value
When family inputs transaction numerical value for the first time, the transaction numerical value that numerical value is user's input of always merchandising.Then total transaction numerical value is judged
Whether less than or equal to second close transaction limit is exempted from, if total transaction numerical value exempts from close transaction limit less than or equal to second,
The transaction numerical value is delivered to the account with phone number binding, if total transaction numerical value is more than this and second exempts from close transaction
The prompt message that close amount has surpassed is exempted from amount, then display.In specific implementation, exempt from close transaction limit more than second in always transaction numerical value
When, password authentification can be carried out, after being verified, can proceed with transaction, by the transaction numerical value be delivered to the phone number
The account of binding.
In the present embodiment, the present invention is preset in the transaction numerical value of user's input less than or equal to first exempts from close transaction limit
When, the historical trading numerical value in prefixed time interval is obtained, and the transaction numerical value is added acquisition always with the historical trading numerical value
Merchandise numerical value, then judging whether total numerical value of merchandising less than or equal to second exempts from close transaction limit, if total transaction numerical value
Exempt from close transaction limit less than or equal to second, then the transaction numerical value is delivered to the account with phone number binding, if always
Transaction numerical value exempts from close transaction limit more than second, then the prompt message of close Fail Transaction is exempted from display, and this programme is by setting total hand over
The transaction numerical value exempted from close transaction limit, electronic transaction can be limited of easy numerical value, ensure the safety of account.
Further, reference picture 5, electric paying method of the present invention can be obtained based on above-mentioned first, second, third or the 4th
The schematic flow sheet of five embodiments, in the present embodiment, the electric paying method also include：
Step S90, when the payment account for receiving user's triggering adds instruction, show payment account inputting interface；
Step S100, when receiving the payment account that user is inputted based on the payment account inputting interface, by described in
Payment account mobile terminal phone number corresponding with payment account addition instruction is bound.
When user need to add new binding payment account, it can be operated in smart mobile phone, triggering payment account addition
Instruction, as the smart mobile phone display interface in show payment account addition button, when user clicks on or touches the branch and pays a bill
When family is added, triggering payment account addition instruction.The smart mobile phone will currently show boundary when receiving account addition instruction
Face switches and is shown as payment account inputting interface, and in the payment for receiving user and being inputted based on the payment account inputting interface
During account, payment account mobile terminal phone number corresponding with payment account addition instruction is bound.It is specific real
Shi Zhong, the binding of new payment account and mobile terminal phone number can be carried out in payment process, can in advance will certainly in idle
New payment account is bound with mobile terminal phone number.
In the present embodiment, the smart mobile phone of the invention shows when the payment account for receiving user's triggering adds instruction
Show display payment account inputting interface, then in the payment account for receiving user and being inputted based on the payment account inputting interface
When, payment account mobile terminal phone number corresponding with payment account addition instruction is bound, this programme is propping up
When paying square phone number and unbound trading account, the binding of payer phone number and account can be rapidly completed.
The present invention further provides a kind of payment devices.
Reference picture 6, Fig. 6 are the high-level schematic functional block diagram of payment devices first embodiment of the present invention.
In the present embodiment, the payment devices include：
First acquisition module 10, for receiving branch of the user based on the phone number triggering in mobile terminal addressbook
When paying request, according to the payment acquisition request transaction numerical value；
The phone number is the phone number of beneficiary, and the account can be bank card account, points account, electronic offers
Certificate account, Alipay account, wechat account and stored value card etc..The bank card account can be deposit card account and credit card account
Family etc..
Smart mobile phone in receiving user based on mobile terminal addressbook phone number trigger payment request when, according to
Payment acquisition request transaction numerical value.In specific implementation, after user selects the phone number in intelligent mobile phone address list, display should
The function choosing-item of phone number, such as SMS option, communication function option and payment function option, then selection pay work(
Energy option triggering pays request, and now the smart mobile phone can show the inputting interface or input frame of transaction numerical value for this, and can be at this
The transaction numerical value of different numerical value is shown in inputting interface or below input frame, is selected for user, i.e., user can directly input transaction
Numerical value, also option trading numerical value inputted.After user inputs transaction numerical value by the display interface, i.e., smart mobile phone receives
The transaction numerical value of user's input.
In another specific implementation, payment button is provided with smart mobile phone, after user touches or clicks on the payment button,
Into in the address list of smart mobile phone, user can select phone number in address list, and request is paid so as to trigger.More
In specific implementation, the smart mobile phone can show the inputting interface of phone number, and now user can pass through smart mobile phone input handset
Number, hence into payment interface.Certainly can enter the smart mobile phone address list when, carry out password authentification, only when with
After the password of family input is by checking, in smart mobile phone ability entry communication record, so as to Transaction Safety.
Judge module 20, exempt from close transaction limit for judging whether the transaction numerical value is default less than or equal to first；
The first default transaction limit for exempting from close transaction limit for user to corresponding trading account mandate, such as bank card account
Family, user exempt from close transaction limit to bank authorization, acquisition.Certainly in other trading accounts, user is also needed to corresponding transaction
Account authorization exempts from close transaction limit corresponding to could obtaining.The payment acquisition request number of deals that the smart mobile phone triggers according to user
After value, judge whether the transaction numerical value is default less than or equal to first and exempt from close transaction limit., can be in the intelligence in specific implementation
Shown in the display interface of mobile phone this first it is default exempt from close transaction limit, and after the completion of each transaction, what real-time update was shown
Exempt from close transaction limit, be easy to user to know to exempt from the surplus value of close transaction limit when numerical value is merchandised in input.
Module 30 is provided, exempts from close transaction limit if being less than or equal to first for the transaction numerical value and presetting, by described in
Transaction numerical value is delivered to the account with phone number binding.
The smart mobile phone finds that transaction numerical value that user inputs is less than or equal to this and first default exempts from close transaction by verifying
Amount, the transaction numerical value that user inputs now is delivered to the account with phone number binding, so as to complete electronic transaction.Tool
During body is implemented, when the transaction numerical value exempts from close transaction limit more than first, password authentification interface can be shown in smart mobile phone, when
After the password of user's input is by checking, the transaction numerical value that user inputs is delivered to the account with phone number binding.When
It so also can control smart mobile phone to exit this electronic transaction, and show the prompt message of this electronic transaction failure.
In the present embodiment, smart mobile phone of the present invention is receiving user based on the phone number in mobile terminal addressbook
During the payment request of triggering, according to the payment acquisition request transaction numerical value, and it is less than or equal in the transaction numerical value and exempts from close friendship
During easy amount, the transaction numerical value that user inputs is delivered to the account with phone number binding, this programme by address list and
Electronic transaction is combined, and smart mobile phone need not show different payment interfaces, facilitates user's selection when carrying out electronic transaction
Phone number, and set and exempt from close transaction limit, electronic transaction can be rapidly completed.
Further, reference picture 7, can be obtained in payment devices second embodiment of the present invention based on above-mentioned first embodiment
The refinement high-level schematic functional block diagram for providing module 30, in the present embodiment, the granting module 30 include：
Issuing unit 31, for when the account bound with the phone number is one, the transaction numerical value to be sent out
Put to the account with phone number binding；
Display unit 32, for with the phone number binding account for it is multiple when, display with the mobile phone
The account of number binding；
Selecting unit 33, for when receiving the account selection instruction of user's triggering, obtaining the account selection instruction
Corresponding account；
The issuing unit 31, it is additionally operable to the transaction numerical value being delivered to account corresponding to the account selection instruction.
The smart mobile phone judges whether the transaction numerical value is less than or equal to the after the transaction numerical value of user's input is received
One it is default exempt from close transaction limit, then the transaction numerical value be less than or equal to first it is default exempt from close transaction limit, and with this
When the account of phone number binding is one, the transaction numerical value is delivered to the account with phone number binding, and
With the account of phone number binding for it is multiple when, the display account with phone number binding, now user can be
The account being traded is selected in the binding account of display, when the smart mobile phone is receiving the account selection instruction of user's triggering
When, select account selection instruction corresponding to account, and by user input transaction numerical value be delivered to user select and with
The account of phone number binding.In specific implementation, the account with phone number binding can be zero, be when the account
During zero, the smart mobile phone display reminding information, when the account is multiple, the selection of smart mobile phone selection user's triggering refers to
Account corresponding to order, and the number of each account of user's selection is recorded, and descending arrangement is carried out according to the number, in cell-phone number
After code locking, the account after arrangement is shown.
In the present embodiment, the present invention exempts from close transaction limit in the transaction numerical value of user's input less than or equal to first, and
When the account bound with the phone number is one, the transaction numerical value is delivered to what is bound with the phone number
Account, and when the account bound with the phone number is multiple, show the account with phone number binding, Ran Hou
When receiving the account selection instruction of user's triggering, account corresponding to acquisition, and the transaction numerical value that user is inputted is delivered to use
Family selection, and it is convenient by showing the account bound with the phone number with the account of phone number binding, this programme
User selects.
Further, reference picture 8, it is real that payment devices the 3rd of the present invention can be obtained based on above-mentioned first or second embodiments
The high-level schematic functional block diagram of example is applied, in the present embodiment, the payment devices also include：
Display module 40, for receive user based in mobile terminal addressbook phone number triggering payment please
When asking, the payment account with the binding of payer phone number is shown；
Second acquisition module 50, for when receiving the payment account selection instruction of user's triggering, obtaining the payment
Payment account corresponding to account selection instruction.
The smart mobile phone receive user based in mobile terminal addressbook phone number triggering payment request when,
The payment account that display has been bound with payer phone number, in specific implementation, the payer phone number can be the intelligence
The loCal number of mobile phone, or the other phone numbers being in the possession of the user of the input of user.Now receiving use
During the payment account selection instruction of the triggering at family, the smart mobile phone obtains payment account corresponding to the payment account selection instruction,
Then according to payment acquisition request transaction numerical value, and preset in the transaction numerical value less than or equal to first and exempt from close transaction limit
When, the transaction numerical value is delivered to the account with phone number binding.
In the present embodiment, branch of the smart phone user of the present invention based on the phone number triggering in mobile terminal addressbook
When paying request, the payment account with the binding of payer phone number is shown, is then obtaining the payment account choosing of user's triggering
When selecting instruction, payment account corresponding to acquisition, then according to payment acquisition request transaction numerical value, and it is less than in the transaction numerical value
Or equal to first it is default exempt from close transaction limit when, produce the transaction numerical value from the payment account, and to the phone number
The transaction numerical value is transferred in the account of binding, this programme is by showing the payment account bound with payer phone number, just
Payment account is selected in user.
Further, reference picture 9, payment devices of the present invention can be obtained based on above-mentioned first, second or third embodiment
The high-level schematic functional block diagram of fourth embodiment, in the present embodiment, the payment devices also include：
Summation module 60, exempt from close transaction limit if being less than or equal to first for the transaction numerical value and presetting, by user
The transaction numerical value of input is added the total transaction numerical value of acquisition with the historical trading numerical value in prefixed time interval；
The judge module 20, is additionally operable to judge whether total transaction numerical value is less than or equal to second and default exempts from close transaction
Amount, wherein, described first default exempts from that close transaction limit is default less than described second to exempt from close transaction limit；
The granting module 30, if being additionally operable to, total transaction numerical value is default less than or equal to second to exempt from close transaction limit,
The transaction numerical value is then delivered to the account with phone number binding；
The display module 40, if being additionally operable to, total transaction numerical value is default more than second to exempt from close transaction limit, shows
Exempt from the prompt message that close amount has surpassed.
This first default exempted from close transaction limit and second default exempts from close transaction limit less than this.The smart mobile phone is receiving use
After family input transaction numerical value, judge whether the transaction numerical value is default less than or equal to first and exempt from close transaction limit, if transaction numerical value
The historical trading numerical value exempted from close transaction limit, then obtain in prefixed time interval default less than or equal to first, and this is merchandised
Numerical value is added the total transaction numerical value of acquisition with the historical trading numerical value.In specific implementation, it is not present, that is, uses in the historical trading numerical value
When family inputs transaction numerical value for the first time, the transaction numerical value that numerical value is user's input of always merchandising.Then total transaction numerical value is judged
Whether less than or equal to second close transaction limit is exempted from, if total transaction numerical value exempts from close transaction limit less than or equal to second,
The transaction numerical value is delivered to the account with phone number binding, if total transaction numerical value is more than this and second exempts from close transaction
The prompt message that close amount has surpassed is exempted from amount, then display.In specific implementation, exempt from close transaction limit more than second in always transaction numerical value
When, password authentification can be carried out, after being verified, can proceed with transaction, by the transaction numerical value be delivered to the phone number
The account of binding.
In the present embodiment, the present invention is preset in the transaction numerical value of user's input less than or equal to first exempts from close transaction limit
When, the historical trading numerical value in prefixed time interval is obtained, and the transaction numerical value is added acquisition always with the historical trading numerical value
Merchandise numerical value, then judging whether total numerical value of merchandising less than or equal to second exempts from close transaction limit, if total transaction numerical value
Exempt from close transaction limit less than or equal to second, then the transaction numerical value is delivered to the account with phone number binding, if always
Transaction numerical value exempts from close transaction limit more than second, then the prompt message of close Fail Transaction is exempted from display, and this programme is by setting total hand over
The transaction numerical value exempted from close transaction limit, electronic transaction can be limited of easy numerical value, ensure the safety of account.
Further, reference picture 10, payment devices of the present invention can be obtained based on above-mentioned first, second, third or the 4th
The high-level schematic functional block diagram of 5th embodiment, in the present embodiment, the payment devices also include：
The display module 40, it is additionally operable to when the payment account for receiving user's triggering adds instruction, display branch is paid a bill
Family inputting interface；
Binding module 70, for when receiving the payment account that user is inputted based on the payment account inputting interface,
The payment account and payer phone number are bound.
When user need to add new binding payment account, it can be operated in smart mobile phone, triggering payment account addition
Instruction, as the smart mobile phone display interface in show payment account addition button, when user clicks on or touches the branch and pays a bill
When family is added, triggering payment account addition instruction.The smart mobile phone will currently show boundary when receiving account addition instruction
Face switches and is shown as payment account inputting interface, and in the payment for receiving user and being inputted based on the payment account inputting interface
During account, payment account mobile terminal phone number corresponding with payment account addition instruction is bound.It is specific real
Shi Zhong, the binding of new payment account and mobile terminal phone number can be carried out in payment process, can in advance will certainly in idle
New payment account is bound with mobile terminal phone number.
In the present embodiment, the smart mobile phone of the invention shows when the payment account for receiving user's triggering adds instruction
Show display payment account inputting interface, then in the payment account for receiving user and being inputted based on the payment account inputting interface
When, payment account mobile terminal phone number corresponding with payment account addition instruction is bound, this programme is propping up
When paying square phone number and unbound trading account, the binding of payer phone number and account can be rapidly completed.
The preferred embodiments of the present invention are these are only, are not intended to limit the scope of the invention, it is every to utilize this hair
The equivalent structure or equivalent flow conversion that bright specification and accompanying drawing content are made, or directly or indirectly it is used in other related skills
Art field, is included within the scope of the present invention.
Claims (10)
1. a kind of electric paying method, it is characterised in that the electric paying method comprises the following steps：
, please according to the payment when receiving payment request of the user based on the phone number triggering in mobile terminal addressbook
Seek acquisition transaction numerical value；
Judge whether the transaction numerical value is default less than or equal to first and exempt from close transaction limit；
If the transaction numerical value be less than or equal to first it is default exempt from close transaction limit, by the transaction numerical value be delivered to institute
State the account of phone number binding.
2. electric paying method as claimed in claim 1, it is characterised in that by it is described transaction numerical value be delivered to the hand
The step of account of machine number binding, includes：
With the phone number binding account be one when, by it is described transaction numerical value be delivered to the phone number
The account of binding；
When the account bound with the phone number is multiple, the account with phone number binding is shown；
When receiving the account selection instruction of user's triggering, account corresponding to the account selection instruction is obtained；
The transaction numerical value is delivered to account corresponding to the account selection instruction.
3. electric paying method as claimed in claim 2, it is characterised in that described according to the payment acquisition request number of deals
Before the step of value, the electric paying method also includes：
Receive user based in mobile terminal addressbook phone number triggering payment request when, display with payer
The payment account of phone number binding；
When receiving the payment account selection instruction of user's triggering, obtain branch corresponding to the payment account selection instruction and pay a bill
Family.
4. such as the electric paying method any one of claim 1-3, it is characterised in that described to judge the transaction numerical value
Whether it is less than or equal to after first default the step of exempting from close transaction limit, the electric paying method also includes：
If the transaction numerical value is default less than or equal to first to exempt from close transaction limit, by between the transaction numerical value and preset time
It is added every interior historical trading numerical value and obtains total transaction numerical value；
Judge total transaction numerical value whether be less than or equal to second it is default exempt from close transaction limit, wherein, described first default exempts from
Close transaction limit is default less than described second to exempt from close transaction limit；
If so, then perform the step of transaction numerical value is delivered to the account bound with the phone number；
If it is not, then the prompt message that close amount has surpassed is exempted from display.
5. electric paying method as claimed in claim 1, it is characterised in that the electric paying method also includes：
When the payment account for receiving user's triggering adds instruction, payment account inputting interface is shown；
When receiving the payment account that user is inputted based on the payment account inputting interface, by the payment account with it is described
Mobile terminal phone number corresponding to payment account addition instruction is bound.
6. a kind of payment devices, it is characterised in that the payment devices include：
First acquisition module, for receiving payment request of the user based on the phone number triggering in mobile terminal addressbook
When, according to the payment acquisition request transaction numerical value；
Judge module, exempt from close transaction limit for judging whether the transaction numerical value is default less than or equal to first；
Module is provided, exempts from close transaction limit if being less than or equal to first for the transaction numerical value and presetting, by the number of deals
Value is delivered to the account with phone number binding.
7. payment devices as claimed in claim 6, it is characterised in that the granting module includes：
Issuing unit, for when the account bound with the phone number is one, the transaction numerical value to be delivered to
With the account of phone number binding；
Display unit, for when the account bound with the phone number is multiple, display to be tied up with the phone number
Fixed account；
Selecting unit, for when receiving the account selection instruction of user's triggering, obtaining corresponding to the account selection instruction
Account；
The issuing unit, it is additionally operable to the transaction numerical value being delivered to account corresponding to the account selection instruction.
8. payment devices as claimed in claim 7, it is characterised in that the payment devices also include：
Display module, for receive user based in mobile terminal addressbook phone number triggering payment request when,
The payment account that display has been bound with payer phone number；
Second acquisition module, for when receiving the payment account selection instruction of user's triggering, obtaining the payment account choosing
Select payment account corresponding to instruction.
9. such as the payment devices any one of claim 6-8, it is characterised in that the payment devices are also wrapped
Include：
Summation module, exempt from close transaction limit if being less than or equal to first for the transaction numerical value and presetting, by user's input
Transaction numerical value is added the total transaction numerical value of acquisition with the historical trading numerical value in prefixed time interval；
The judge module, be additionally operable to judge total transaction numerical value whether be less than or equal to second it is default exempt from close transaction limit,
Wherein, described first default exempts from that close transaction limit is default less than described second to exempt from close transaction limit；
The granting module, if being additionally operable to, total transaction numerical value is default less than or equal to second to exempt from close transaction limit, by institute
State transaction numerical value and be delivered to the account with phone number binding；
The display module, if being additionally operable to, total transaction numerical value is default more than second to exempt from close transaction limit, and close volume is exempted from display
The super prompt message of degree.
10. payment devices as claimed in claim 6, it is characterised in that the payment devices also include：
The display module, it is additionally operable to when the payment account for receiving user's triggering adds instruction, display payment account input
Interface；
Binding module, described in when receiving the payment account that user is inputted based on the payment account inputting interface, inciting somebody to action
Payment account mobile terminal phone number corresponding with payment account addition instruction is bound.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201611099731.1A CN107705111A (en) | 2016-12-02 | 2016-12-02 | Electric paying method and device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201611099731.1A CN107705111A (en) | 2016-12-02 | 2016-12-02 | Electric paying method and device |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN107705111A true CN107705111A (en) | 2018-02-16 |
Family
ID=61169418
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201611099731.1A Pending CN107705111A (en) | 2016-12-02 | 2016-12-02 | Electric paying method and device |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN107705111A (en) |
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Application publication date: 20180216 |