CN108038680A - A kind of flexible method of payment - Google Patents
A kind of flexible method of payment Download PDFInfo
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- CN108038680A CN108038680A CN201711275852.1A CN201711275852A CN108038680A CN 108038680 A CN108038680 A CN 108038680A CN 201711275852 A CN201711275852 A CN 201711275852A CN 108038680 A CN108038680 A CN 108038680A
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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
- G06Q20/108—Remote banking, e.g. home banking
- G06Q20/1085—Remote banking, e.g. home banking involving automatic teller machines [ATMs]
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- Finance (AREA)
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- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Engineering & Computer Science (AREA)
- Theoretical Computer Science (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention discloses a kind of flexible method of payment, selects payment channel, and according to scene is paid, the payment channel of the bank card is supported in screening, compares rate, and selection pays the low passage of rate, completes to pay, returns to payment result；The method of payment of the present invention, it is not only convenient flexible, it is and safe, it is not necessary to worry to be spied upon by person who is ambitious or tenacious of purpose in input dynamic payment number, can realize that safe no card payment mode is suitable for having on card payment terminal system and line without card paying system under existing line.
Description
Technical field
The present invention relates to financial payment transaction technology field, more particularly to one kind is by using terminal dynamic generation skill
Art solve without card payment safety problem without the flexible method of payment of card.
Background technology
With the fast development of e-commerce, the means of payment of people there occurs huge change, pay in cash in the past,
Bank cable transfer, postal remittance, POS machine cCredit card payment are major way, add Web bank now, third-party platform is paid
The various ways such as (Alipay etc.), quick payment, Mobile banking, telephone bank, are greatly enriched the means of payment of people；Separately
On the one hand, bank increases atm device and multimedia self-help terminal energetically, conveniently meets that people query the balance, withdraw the money, depositing, turning
The demand of the basic services such as account, common cost payment on behalf, mitigates the pressure of bank outlets' work, has expanded the business of itself.
The characteristics of current means of payment and deficiency：1) there is respective Web bank in each bank, and client holds some bank
, it is necessary to handle the business for opening Web bank and online payment to the application of this bank during bank card, then could carry out online
The operation of payment；2) third-party platform, which is paid, needs to establish an account managed by third party, using Web bank etc. other
The means of payment is supplemented with money, generally requires both parties to have account, can provide the service of transaction guaranty；3) quick payment is
Businessman simplifies a kind of means of payment of payment process, usually only needs input handset after registration by signing an agreement with bank
Short message verification code, you can complete to pay, its security is less than Web bank's means of payment；4) Mobile banking, telephone bank all need
Corresponding business is opened in advance, binds some bank card, then can just carry out delivery operation；5) POS machine cCredit card payment
POS machine (including Unionpay and third-party POS machine) has the attribute of industrial applications (corresponding different service charge), and trade company's input disappears
Take the amount of money, consumer's cCredit card payment, is not directly dependent upon with specific transaction content, the service of typically no transaction guaranty；6)
The atm device (cash dispenser, deposit machine, cash recycling system) and multimedia self-help terminal of bank have certain popularity rate, but
Its payment function is weaker (transfer accounts, common cost payment on behalf etc.)；7) client generally possesses multiple bank cards of more banks, but one
As will not all open Web bank and online payment function；8) (Alipay etc.), hand are paid using Web bank, third-party platform
Machine bank is required for inputting payment cipher in PC machine or mobile phone when mode, and is transmitted by public network, with atm device and its
The network at place is compared, and security is low；9) Web bank, third-party platform payment accounts, Mobile banking etc. mostly have financing,
The problem of function of bill payment, the fund of be easy to causeing is disperseed, account management is chaotic.
And for directly inputting payment number during consumption with payment password without card payment scheme, although seeming very convenient,
But its shortcoming becomes apparent from, payment number is too long with paying password design, it is not easy to remembers；Design is too short and is easy to defeated
It is fashionable to be spied upon, because its security is more unreliable, so using this scheme be a little small amount one-time payment fields mostly；With
Mobile-phone payment field based on NFC technique, though being vigorously supported through telecom operators and financial institution, seems and has a extensive future, real
Do not develop on a large scale very much in matter, a direct current is publicized in surface.
Here the existing objectively limitation caused by technical reason, it is special between Ye You telecom operators and financial institution
Complex relationship caused by develop slowly, it is well known that for the software environment of mobile terminal (such as mobile phone, tablet computer)
For, its security is poor, and safety of payment does not ensure completely, is easily attacked be subject to virus with wooden horse, causes transaction sensitive
Data are stolen or are tampered.
The content of the invention
It is an object of the invention to overcome the deficiencies of the prior art and provide a kind of not only convenient, but also security is again high, energy
It is enough to realize without card payment without card method of payment, suitable for there is card payment terminal system to be with being paid on line without card under existing line
System, with overcome the deficiencies in the prior art.
The present invention is achieved by the following technical solutions：A kind of flexible method of payment, it is characterised in that concrete operations
Step is as follows：
Step S100：Select payment channel；
Step S101：According to scene is paid, the payment channel of the bank card is supported in screening；
Step S102：Compare rate, selection pays the low passage of rate；
Step S103：Complete to pay, return to payment result.
Preferably, the step S100：Payment channel described in selection payment channel includes at least：One-time payment,
Payment on collection basis, nothing redirect the one or more in paying.
Preferably, the one-time payment, selects payment channel, payment；Wherein the selection of one-time payment is paid
Passage is optional in the bank card of individual center binding, or/and bind bank card again by selecting bank card, input branch
Password is paid to pay.
Preferably, the one-time payment, support all business of platform, support approach include at least electronics family, deposit card,
One or more in credit card, stored value card, Third-party payment (Alipay, wechat), all kinds of integrations.
Preferably, the payment on collection basis, collection payment order, may be selected or associate a bank card again, system will be regular
Automatically initiate and withhold to the card, confirm without user, if withholding failure, initiated to urge money by server.
Preferably, the nothing redirects payment, and as user has bound bank card, system can be pushed to user by IM and paid the bill
Single, user need to only select the bank card bound, can be paid without inputting bank card information again；When collection is paid the bill, it is
System is withholdd unsuccessfully (Sorry, your ticket has not enough value in card or limit), and system will push payment order by IM message to user at this time, sign a contract
For installment contract, but the not associated bank card of user, system periodically will push payment order to user.
The present invention has the following advantages compared with prior art：The present invention will be purchased on the net using the design method towards order
Thing, common cost payment etc. form order, using bank card in the terminal device of bank, are particularly paid on atm device,
The functions such as Web bank, online payment need not be opened, without inputting payment cipher on public network, its payment environment (atm device,
ATM transmission networks etc.) there is higher security, while supervision department can inquire about the detailed transaction information of order, effectively
Prevent the illegal activities such as arbitrage, overcome the deficiency of the current means of payment；The method of payment of the present invention, it is not only convenient flexible, and
It is and safe, it is not necessary to worry to be spied upon by person who is ambitious or tenacious of purpose in input dynamic payment number, can realize safe without card branch
The pattern of paying is suitable for having on card payment terminal system and line without card paying system under existing line.
Brief description of the drawings
Fig. 1 is a kind of principle flow chart of flexible method of payment of the embodiment of the present invention；
Fig. 2 is a kind of flow chart of the specific means of payment of flexible method of payment of the embodiment of the present invention.
Embodiment
Elaborate below to the embodiment of the present invention, the present embodiment is carried out lower premised on technical solution of the present invention
Implement, give detailed embodiment and specific operating process, but protection scope of the present invention is not limited to following implementation
Example.
With reference to shown in Fig. 1-2, a kind of flexible method of payment provided in this embodiment, concrete operation step is as follows：
Step S100：Select payment channel；
Step S101：According to scene is paid, the payment channel of the bank card is supported in screening；
Step S102：Compare rate, selection pays the low passage of rate；
Step S103：Complete to pay, return to payment result.
Preferably, the step S100：Payment channel described in selection payment channel includes at least：One-time payment,
Payment on collection basis, nothing redirect the one or more in paying.
It should be noted that since payment interface is intricate, the business otherness that Unionpay, each bank provide is larger, main
It is embodied in the passage：
(1) whether support that certain Bank Account Number (electronics family, credit card, deposit card) is paid；
(2) payment limit, the service charge of the passage are used；
Design database is as follows for this：
Preferably, the one-time payment, selects payment channel, payment；Wherein the selection of one-time payment is paid
Passage is optional in the bank card of individual center binding, or/and bind bank card again by selecting bank card, input branch
Password is paid to pay.
Preferably, the one-time payment, support all business of platform, support approach include at least electronics family, deposit card,
One or more in credit card, stored value card, Third-party payment (Alipay, wechat), all kinds of integrations.
Preferably, the payment on collection basis, collection payment order, may be selected or associate a bank card again, system will be regular
Automatically initiate and withhold to the card, confirm without user, if withholding failure, initiated to urge money by server.
Preferably, the nothing redirects payment, and as user has bound bank card, system can be pushed to user by IM and paid the bill
Single, user need to only select the bank card bound, can be paid without inputting bank card information again；When collection is paid the bill, it is
System is withholdd unsuccessfully (Sorry, your ticket has not enough value in card or limit), and system will push payment order by IM message to user at this time, sign a contract
For installment contract, but the not associated bank card of user, system periodically will push payment order to user.
One-time payment, the collection proposed in the present embodiment is paid the bill, nothing redirects payment；The specific one-time payment,
Refer to the payment channel lump-sum payment by bank, meeting room when such as purchase 2 is small, 300 are paid the bill by bank card online
Member.The one-time payment business detail described in the present embodiment is as in the table below：
Collection payment, refers to the business of similar rent quasi-periodic (monthly or quarterly etc.) payment, user Ke Tong
Binding bank card (deposit card, credit card) is crossed, system monthly will be initiated to withhold to user's bank card.
The collection payment business detail described in the present embodiment is as in the table below：
The nothing redirects payment, refers to collection Payment Failed (system is initiated to withhold unsuccessfully) or has bound bank in user
In the case of card, system urges money to its initiation；At this time when entering the payment page, it is not necessary to which user inputs the correlations such as bank card again
Information, directly selects bank card, input password, that is, payable.
The nothing described in the present embodiment redirects payment transaction detail as in the table below：
Wherein, reimbursement, refers to that system initiates reimbursement to the former paying bank Ka Yuan roads of user.Such as pay by instalments order,
The first phase pays 1000 yuan of cash pledge, and at the end of contract, system can the former road return of down-payment.
The reimbursement business detail described in the present embodiment is as in the table below：
It is provided in this embodiment a kind of not only convenient, and security is high, can realize flexible without card without card payment
Method of payment, suitable for having under existing line on card payment terminal system and line without card paying system.
The foregoing is merely illustrative of the preferred embodiments of the present invention, is not intended to limit the invention, all essences in the present invention
All any modification, equivalent and improvement made within refreshing and principle etc., should all be included in the protection scope of the present invention.
Claims (6)
1. a kind of flexible method of payment, it is characterised in that concrete operation step is as follows：
Step S100：Select payment channel；
Step S101：According to scene is paid, the payment channel of the bank card is supported in screening；
Step S102：Compare rate, selection pays the low passage of rate；
Step S103：Complete to pay, return to payment result.
A kind of 2. flexible method of payment according to claim 1, it is characterised in that the step S100：Selection is paid
Payment channel described in passage includes at least：One-time payment, payment on collection basis, without redirect pay in one or more.
3. a kind of flexible method of payment according to claim 2, it is characterised in that the one-time payment, selection branch
Pay passage, payment；Wherein the selection payment channel of one-time payment may be selected in individual center by selecting bank card
The bank card of binding, or/and bank card is bound again, input payment cipher is paid.
4. according to a kind of any flexible method of payment of Claims 2 or 3, it is characterised in that the one-time payment,
Support all business of platform, support approach to include at least electronics family, deposit card, credit card, stored value card, Third-party payment (branch
Fu Bao, wechat), the one or more in all kinds of integrations.
5. a kind of flexible method of payment according to claim 2, it is characterised in that the payment on collection basis, collection payment
It is single, it may be selected or associate a bank card again, system will periodically be automatically initiated to the card and withholdd, and be confirmed without user, if generation
Button failure, is initiated to urge money by server.
6. a kind of flexible method of payment according to claim 2, it is characterised in that the nothing redirects payment, such as user
Bank card is bound, system can push payment order by IM to user, and user need to only select the bank card bound, without defeated again
Entering bank card information can be paid；When collection is paid the bill, system is withholdd unsuccessfully (Sorry, your ticket has not enough value in card or limit), at this time system
Payment order will be pushed to user by IM message, signed a contract as installment contract, but the not associated bank card of user, system will be fixed
Phase pushes payment order to user.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201711275852.1A CN108038680A (en) | 2017-12-06 | 2017-12-06 | A kind of flexible method of payment |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201711275852.1A CN108038680A (en) | 2017-12-06 | 2017-12-06 | A kind of flexible method of payment |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN108038680A true CN108038680A (en) | 2018-05-15 |
Family
ID=62095423
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201711275852.1A Withdrawn CN108038680A (en) | 2017-12-06 | 2017-12-06 | A kind of flexible method of payment |
Country Status (1)
| Country | Link |
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| CN (1) | CN108038680A (en) |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2020134654A1 (en) * | 2018-12-28 | 2020-07-02 | 中国银联股份有限公司 | Electronic payment method, apparatus and system and storage medium |
| CN112669031A (en) * | 2020-12-14 | 2021-04-16 | 支付宝(杭州)信息技术有限公司 | Recharging-free data processing method, device, equipment and system for payment card |
| CN113128996A (en) * | 2021-05-11 | 2021-07-16 | 支付宝(杭州)信息技术有限公司 | Payment method, device and equipment |
-
2017
- 2017-12-06 CN CN201711275852.1A patent/CN108038680A/en not_active Withdrawn
Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2020134654A1 (en) * | 2018-12-28 | 2020-07-02 | 中国银联股份有限公司 | Electronic payment method, apparatus and system and storage medium |
| CN112669031A (en) * | 2020-12-14 | 2021-04-16 | 支付宝(杭州)信息技术有限公司 | Recharging-free data processing method, device, equipment and system for payment card |
| CN112669031B (en) * | 2020-12-14 | 2024-04-05 | 支付宝（中国）网络技术有限公司 | Recharging-free data processing method, device, equipment and system for payment card |
| CN113128996A (en) * | 2021-05-11 | 2021-07-16 | 支付宝(杭州)信息技术有限公司 | Payment method, device and equipment |
| WO2022237572A1 (en) * | 2021-05-11 | 2022-11-17 | 支付宝(杭州)信息技术有限公司 | Payment method and apparatus, and device |
| CN113128996B (en) * | 2021-05-11 | 2022-11-18 | 支付宝(杭州)信息技术有限公司 | Payment method, device and equipment |
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| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| WW01 | Invention patent application withdrawn after publication |
Application publication date: 20180515 |
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| WW01 | Invention patent application withdrawn after publication |