CN108898373A - The method and system that penny bank combination mobile payment is saved - Google Patents
The method and system that penny bank combination mobile payment is saved Download PDFInfo
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- CN108898373A CN108898373A CN201810579798.8A CN201810579798A CN108898373A CN 108898373 A CN108898373 A CN 108898373A CN 201810579798 A CN201810579798 A CN 201810579798A CN 108898373 A CN108898373 A CN 108898373A
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- penny bank
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- mobile payment
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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
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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
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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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
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- Accounting & Taxation (AREA)
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- Engineering & Computer Science (AREA)
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- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Economics (AREA)
- Development Economics (AREA)
- Computer Networks & Wireless Communication (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention discloses a kind of methods that penny bank combination mobile payment is saved, and this approach includes the following steps：S1, penny bank bind electronic account；S2, starting penny bank electronics savings；S3, penny bank generate and show gathering two dimensional code；The gathering two dimensional code generated in S4, mobile scanning terminal identification S3；S5, online payment completion mobile payment savings are carried out using mobile terminal.The invention also discloses a kind of systems that penny bank combination mobile payment is saved, including main control MCU, savings module, memory module, display module, communication module, mobile terminal and remote server.The method and system of penny bank mobile payment of the invention provides a variety of e-payment selections for user, more humanized.
Description
Technical field
The present invention relates to electronic product mobile payment technical field, specifically penny bank combination mobile payment is saved
Method and system.
Background technique
As the technology of electronic product develops, more and more cashless payment scenes appear in various involved in people
Field.Such as payment of Alipay, wechat, e-bank etc., may be implemented various e-payments.And all kinds of scenes such as shop
Paving, on-line shop, shared bicycle etc., are also all that cashless payment may be implemented.Therefore, the cash number held in people's hand
Measure it is fewer and fewer, need using cash service product also be faced with reform regenerate the problem of, it is this especially for penny bank
The household products that cash uses are only limitted in traditional sense.
Summary of the invention
The purpose of the present invention is to provide a kind of method and systems that penny bank combination mobile payment is saved, to solve
Penny bank mentioned above in the background art is suitable only for using restricted problem caused by cash savings.
To achieve the above object, the present invention provides the following technical solutions：
A kind of method that penny bank combination mobile payment is saved, this approach includes the following steps：
S1, penny bank bind electronic account；
S2, starting penny bank electronics savings；
S3, penny bank generate and show gathering two dimensional code；
The gathering two dimensional code generated in S4, mobile scanning terminal identification S3；
S5, online payment completion mobile payment savings are carried out using mobile terminal.
Preferably, it includes that the authorization of bank settlement service agreement is carried out to the electronic account that electronic account is bound in the S1.
Preferably, it includes the payment two dimensional code and use for paying the random customized amount of money that the S3, which generates gathering two dimensional code,
In the two dimensional code of transferring accounts for paying default Flat Amount.
Preferably, mobile scanning terminal identification two dimensional code includes mobile terminal installation penny bank mobile payment storage in the S4
It stores APP and two-dimensional code scanning identification is carried out by the APP.
Preferably, it includes that mobile terminal is carried out by remote server that mobile payment savings are completed in online payment in the S5
The electronic account that fund is transferred to penny bank binding completes savings.
The invention also discloses a kind of systems that penny bank combination mobile payment is saved, including：
Main control MCU is the control centre of penny bank mobile payment savings system；
Module is saved, for generating penny bank savings two dimensional code comprising transfer accounts unit and Payment Unit；
Memory module, for setting and storing the basis instrument of penny bank savings comprising amount of money setting unit and data
Storage unit；
Display module, for showing savings two dimensional code and penny bank data information comprising display unit and push-button unit；
Communication module, the data interaction for penny bank and mobile terminal；
Mobile terminal, the mobile terminal for penny bank mobile payment；And
Remote server carries out network trading for penny bank electronic account；
Wherein, transfer accounts unit and Payment Unit is electrically connected main control MCU and display unit, and amount of money setting unit is electrically connected
Data storage cell, data storage cell are electrically connected main control MCU, and display unit is electrically connected push-button unit, push-button unit electricity
Property connection main control MCU, communication module is electrically connected main control MCU, and mobile terminal and remote server distinguish communication connection master control
MCU。
Preferably, the communication module includes WIFI communication unit and GPRS communication unit, WIFI communication unit and GPRS
Main control MCU is electrically connected in communication unit.
Preferably, the data storage cell includes electronic account storing sub-units and data interaction subelement, electronics account
Family storing sub-units are electrically connected data interaction subelement and amount of money setting unit, and data interaction subelement is electrically connected master control
MCU is used for the data interaction of electronic account and mobile terminal and remote server.
Preferably, the mobile terminal includes the smart phone and plate electricity for being equipped with penny bank mobile payment savings APP
Brain, the display unit are display screen, and the push-button unit is the key for being installed on display unit side, key electrical connection master
MCU is controlled to be used to show content button operation penny bank according to display screen.
Compared with prior art, the beneficial effects of the invention are as follows：
1. the present invention binds electronic account and gathering two dimensional code by penny bank and mobile terminal is completed mobile payment and carried out
Electronics savings, have abandoned the cumbersome of traditional penny bank cash savings, have realized the function that penny bank complies with electronic product high speed development
It can expand, meet user demand, improve user experience；
2. the present invention is by setting two dimensional code of transferring accounts different savings amount of money modes corresponding with payment two dimensional code, certainly to user
By selecting, realizes user and selected using savings amount of money when penny bank under different economic conditions, it is more humanized.
Detailed description of the invention
Fig. 1 is the flow chart for the method that penny bank combination mobile payment of the present invention is saved；
Fig. 2 is the flow diagram for the system that penny bank combination mobile payment of the present invention is saved；
Fig. 3 is the structural block diagram for the system that penny bank combination mobile payment of the present invention is saved；
Fig. 4 is the specific implementation method flow chart for the system that penny bank combination mobile payment of the present invention is saved.
Specific embodiment
Following will be combined with the drawings in the embodiments of the present invention, and technical solution in the embodiment of the present invention carries out clear, complete
Site preparation description, it is clear that described embodiments are only a part of the embodiments of the present invention, instead of all the embodiments.It is based on
Embodiment in the present invention, it is obtained by those of ordinary skill in the art without making creative efforts every other
Embodiment shall fall within the protection scope of the present invention.
As shown in Figure 1, a kind of method that penny bank combination mobile payment is saved, this method include：
S1, penny bank bind electronic account, and the authorization of bank settlement service agreement is carried out to the electronic account.
S2, starting penny bank electronics savings.
S3, penny bank generate and show two kinds of payment two dimensional codes namely for the random customized amount of money of payment and be used for
Pay the gathering two dimensional code of the two dimensional code of transferring accounts of default Flat Amount.
S4, the mobile terminal of APP is saved using installation penny bank mobile payment and by generating in APP scanning recognition S3
Any gathering two dimensional code.
S5, online payment is carried out using mobile terminal, mobile terminal carries out fund by remote server and is transferred to storage money
The electronic account of tank binding completes mobile payment savings.
As shown in Figures 2 and 3, the invention also discloses a kind of penny bank electronics savings system suitable for the above method,
The system that specifically a kind of penny bank combination mobile payment is saved, including：
Main control MCU is the control centre of penny bank mobile payment savings system.
Module is saved, for generating penny bank savings two dimensional code comprising transfer accounts unit and Payment Unit.
Memory module, for setting and storing the basis instrument of penny bank savings comprising amount of money setting unit and data
Storage unit.Data storage cell includes electronic account storing sub-units and data interaction subelement, and electronic account storage is single
Member is electrically connected data interaction subelement and amount of money setting unit, and data interaction subelement is electrically connected main control MCU and is used for electronics
The data interaction of account and mobile terminal and remote server.
Display module, for showing savings two dimensional code and penny bank data information comprising display unit and push-button unit.
Communication module, the data interaction for penny bank and mobile terminal.Communication module include WIFI communication unit and
Main control MCU is electrically connected in GPRS communication unit, WIFI communication unit and GPRS communication unit.
Mobile terminal, the mobile terminal for penny bank mobile payment.Mobile terminal includes being equipped with the mobile branch of penny bank
The smart phone and tablet computer of savings APP are paid, the display unit is display screen, and the push-button unit is single to be installed on display
The key of first side, the key are electrically connected main control MCU and are used to show content button operation penny bank according to display screen.
Remote server carries out network trading for penny bank electronic account.
Transfer accounts unit and Payment Unit is electrically connected main control MCU and display unit, and amount of money setting unit is electrically connected data
Storage unit, data storage cell are electrically connected main control MCU, and display unit is electrically connected push-button unit, and push-button unit electrically connects
Main control MCU is connect, communication module is electrically connected main control MCU, and mobile terminal and remote server distinguish communication connection main control MCU.
As shown in figure 4, user carries out electronic account binding to penny bank, and assists to electronic account authorization on-net transactions
View presets penny bank single by APP and saves the amount of money.
When user does not use the electronics money saving function of penny bank, penny bank electronics is saved in a dormant state, display screen
Show that electronic account includes the data informations such as total amount.When user is saved using the electronics of penny bank, start penny bank electronics
Savings, display screen display gathering two dimensional code.User saves the mobile terminal of corresponding A PP on display screen using the electronics is equipped with
The two dimensional code of display is scanned.
There are two types of the two dimensional codes of display, and one is the payment two dimensional code of customized payment amount, another kind is user preset
Single saves the corresponding two dimensional code of transferring accounts of the amount of money.User selects two dimensional code to be scanned.
When selection scans payment two dimensional code, after the completion of scanning, the customized payment amount of user is simultaneously complete by mobile terminal
At payment；When two dimensional code is transferred accounts in selection scanning, after the completion of scanning, user directly completes branch in mobile terminal input payment cipher
It pays.
After user completes payment, the electronics savings system of penny bank passes through network connection remote server, remote server
The account for completing electronic account and mobile terminal binding carries out the mobile payment savings that electronic funds transfer completes penny bank.
It although an embodiment of the present invention has been shown and described, for the ordinary skill in the art, can be with
A variety of variations, modification, replacement can be carried out to these embodiments without departing from the principles and spirit of the present invention by understanding
And modification, the scope of the present invention is defined by the appended.
Claims (9)
1. a kind of method that penny bank combination mobile payment is saved, which is characterized in that this approach includes the following steps：
S1, penny bank bind electronic account；
S2, starting penny bank electronics savings；
S3, penny bank generate and show gathering two dimensional code；
The gathering two dimensional code generated in S4, mobile scanning terminal identification S3；
S5, online payment completion mobile payment savings are carried out using mobile terminal.
2. the method that a kind of penny bank combination mobile payment according to claim 1 is saved, which is characterized in that described
It includes that the authorization of bank settlement service agreement is carried out to the electronic account that electronic account is bound in S1.
3. the method that a kind of penny bank combination mobile payment according to claim 1 is saved, which is characterized in that described
It includes for paying the payment two dimensional code of the customized amount of money at random and for paying default Flat Amount that S3, which generates gathering two dimensional code,
Two dimensional code of transferring accounts.
4. the method that a kind of penny bank combination mobile payment according to claim 1 is saved, which is characterized in that described
In S4 mobile scanning terminal identification two dimensional code include mobile terminal installation penny bank mobile payment savings APP and by the APP into
The identification of row two-dimensional code scanning.
5. the method that a kind of penny bank combination mobile payment according to claim 1 is saved, which is characterized in that described
Online payment completion mobile payment savings are transferred to penny bank by remote server progress fund including mobile terminal and tie up in S5
Fixed electronic account completes savings.
6. a kind of system that penny bank combination mobile payment is saved, which is characterized in that including：
Main control MCU is the control centre of penny bank mobile payment savings system；
Module is saved, for generating penny bank savings two dimensional code comprising transfer accounts unit and Payment Unit；
Memory module, for setting and storing the basis instrument of penny bank savings comprising amount of money setting unit and data storage
Unit；
Display module, for showing savings two dimensional code and penny bank data information comprising display unit and push-button unit；
Communication module, the data interaction for penny bank and mobile terminal；
Mobile terminal, the mobile terminal for penny bank mobile payment；And
Remote server carries out network trading for penny bank electronic account；
Wherein, transfer accounts unit and Payment Unit is electrically connected main control MCU and display unit, and amount of money setting unit is electrically connected data
Storage unit, data storage cell are electrically connected main control MCU, and display unit is electrically connected push-button unit, and push-button unit electrically connects
Main control MCU is connect, communication module is electrically connected main control MCU, and mobile terminal and remote server distinguish communication connection main control MCU.
7. the system that a kind of penny bank combination mobile payment according to claim 6 is saved, which is characterized in that described
Communication module includes WIFI communication unit and GPRS communication unit, and WIFI communication unit and GPRS communication unit are electrically connected
Main control MCU.
8. the system that a kind of penny bank combination mobile payment according to claim 6 is saved, which is characterized in that described
Data storage cell includes electronic account storing sub-units and data interaction subelement, and electronic account storing sub-units are electrically connected
Data interaction subelement and amount of money setting unit, data interaction subelement are electrically connected main control MCU and are used for electronic account and movement
The data interaction of terminal and remote server.
9. the system that a kind of penny bank combination mobile payment according to claim 6 is saved, which is characterized in that described
Mobile terminal includes the smart phone and tablet computer for being equipped with penny bank mobile payment savings APP, and the display unit is aobvious
Display screen, the push-button unit are the key for being installed on display unit side, which is electrically connected main control MCU and is used for according to display screen
Show content button operation penny bank.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810579798.8A CN108898373A (en) | 2018-06-07 | 2018-06-07 | The method and system that penny bank combination mobile payment is saved |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810579798.8A CN108898373A (en) | 2018-06-07 | 2018-06-07 | The method and system that penny bank combination mobile payment is saved |
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| Publication Number | Publication Date |
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| CN108898373A true CN108898373A (en) | 2018-11-27 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201810579798.8A Pending CN108898373A (en) | 2018-06-07 | 2018-06-07 | The method and system that penny bank combination mobile payment is saved |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109543790A (en) * | 2018-11-19 | 2019-03-29 | 中国银行股份有限公司 | Deposit method and device, accumulator tank, storage medium and electronic equipment |
| CN109685188A (en) * | 2019-01-17 | 2019-04-26 | 雷龙佳 | A kind of two-dimensional code electronic that the amount of money is set gathering board |
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| CN105741110A (en) * | 2016-03-15 | 2016-07-06 | 宣颖骥 | Electronic payment method and electronic payment equipment |
| US20170055655A1 (en) * | 2015-08-25 | 2017-03-02 | Mark Meyers | System and method for managing funds with a toy |
| CN106791079A (en) * | 2016-12-18 | 2017-05-31 | 王沛 | A kind of electronic money box |
| CN107230054A (en) * | 2016-03-25 | 2017-10-03 | 中国人民银行印制科学技术研究所 | Digital cash is stored in the method and system of savings account |
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2018
- 2018-06-07 CN CN201810579798.8A patent/CN108898373A/en active Pending
Patent Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101454795A (en) * | 2006-03-30 | 2009-06-10 | 奥博佩公司 | Mobile person-to-person payment system |
| US20170055655A1 (en) * | 2015-08-25 | 2017-03-02 | Mark Meyers | System and method for managing funds with a toy |
| CN105741110A (en) * | 2016-03-15 | 2016-07-06 | 宣颖骥 | Electronic payment method and electronic payment equipment |
| CN107230054A (en) * | 2016-03-25 | 2017-10-03 | 中国人民银行印制科学技术研究所 | Digital cash is stored in the method and system of savings account |
| CN106791079A (en) * | 2016-12-18 | 2017-05-31 | 王沛 | A kind of electronic money box |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109543790A (en) * | 2018-11-19 | 2019-03-29 | 中国银行股份有限公司 | Deposit method and device, accumulator tank, storage medium and electronic equipment |
| CN109685188A (en) * | 2019-01-17 | 2019-04-26 | 雷龙佳 | A kind of two-dimensional code electronic that the amount of money is set gathering board |
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Application publication date: 20181127 |
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| RJ01 | Rejection of invention patent application after publication |