CN109165949A - Non-card credit method of payment, system, computer equipment and storage medium - Google Patents
Non-card credit method of payment, system, computer equipment and storage medium Download PDFInfo
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- CN109165949A CN109165949A CN201810894634.4A CN201810894634A CN109165949A CN 109165949 A CN109165949 A CN 109165949A CN 201810894634 A CN201810894634 A CN 201810894634A CN 109165949 A CN109165949 A CN 109165949A
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- Prior art keywords
- payment
- information
- paying party
- credit card
- credit
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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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
-
- 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
-
- 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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
Abstract
This application involves financial payment transaction field more particularly to a kind of non-card credit method of payment, system, computer equipment and storage mediums.A kind of non-card credit method of payment, including paying party credit card account is established, it is bound after acquiring human body biological characteristic information with credit card account；Receive the payment request of paying party and the human body biological characteristic information of submission；It obtains the beneficiary information that paying party is submitted and determines therefrom that beneficiary and pending payment volume；It navigates to after the credit card account of binding and history payment record is obtained according to credit card account；It reads non-refund therein and judges whether that the payment function for reaching credit card freezes limit, this payment is limited when reaching, payment function is opened when not up to and complete to pay.The application solve the problems, such as conventional credit card using when must carry and easy to be lost, credit payment is carried out using to medium and small self-employed entrepreneur, facilitates the promotion and popularization of credit payment technology.
Description
Technical field
This application involves financial payment transaction fields more particularly to a kind of non-card credit method of payment, system, computer to set
Standby and storage medium.
Background technique
Current credit payment means are mainly the POS machine using the big businessman such as megastore, hotel as payment terminal, are led to
Brush credit card is crossed, inputs payment cipher then to realize corresponding payment business.But credit branch directly is completed using credit card
It is extremely inconvenient to pay, if user forgets to carry credit card or credit card is damaged, by credit when being unfavorable for customer consumption
Payment.
Thus, existing credit payment means are mainly had using card card as the defect of credit payment voucher:
(1) it is inconvenient and easy to be lost to take card by user；
(2) it is usually used in biggish trade company's occasion, it can not be universal in individual consumers' occasion such as small trade company.
Summary of the invention
Based on this, it is necessary to for when carrying out non-card credit payment, be made for traditional credit payment method using card card
For evidence for payment carrier, inconvenient to carry and easy to be lost and conventional credit card card in use, be limited to receiving device and Payment System,
The problem of being not suitable for small trade company's occasion provides a kind of non-card credit method of payment, system, computer equipment and storage medium.
A kind of non-card credit method of payment, the method for the non-card credit payment, includes the following steps:
The credit card account of paying party is established, and acquires the human body biological characteristic information of the paying party；
The human body biological characteristic information and the credit card account are bound；
Receive the payment request of paying party and the human body biological characteristic information of submission；
The beneficiary information that paying party is submitted is obtained, and beneficiary and pending payment volume are determined according to the beneficiary information；
The credit card account of binding, root are navigated to according to the human body biological characteristic information submitted together with the payment request
The history payment record of the paying party is obtained according to the credit card account；
The non-refund in the history payment record is read, judges whether the non-refund reaches paying party
The payment function of credit card freezes limit, when reaching payment function and freezing limit, limits this payment and present the bill for payment side's drop
Low non-refund freezes limit hereinafter, when not up to payment function freezes limit to payment function, opens payment function, with
Beneficiary into beneficiary information pays pending payment volume.
In one embodiment, the credit card account for establishing paying party, and acquire the human-body biological of the paying party
Characteristic information includes:
The credit card that paying party provides is received to open an account required material；
The credit card is verified to open an account the authenticity of required material, verify provided after passing through one open an account after credit card account
Number, it otherwise provides the error information that cannot be opened an account and the paying party is prompted to provide authentic material；
The human body biological characteristic information of the paying party after opening an account successfully is obtained by acquisition equipment.
It is in one embodiment, described to bind the human body biological characteristics and the credit card account, comprising:
Extract the information with unique identification feature in the human body biological characteristic information；
The information with unique identification feature and the credit card account are bound.
In one embodiment, it before by the human body biological characteristics and credit card account binding, including tackles
The verifying of the identity information authenticity of money side, verification process obtain paying party by connection online checking citizenship information system
Essential information verify the identity reality of paying party, verification result includes:
If being verified, it is determined that the paying party identity information is true, allows to bind credit card and adopt that paying party is opened an account
Collect and the information with uniqueness identification feature in the human body biological characteristic information extracted；
If verifying does not pass through, it is determined that the paying party information is not firm, does not allow to bind, and provides prompt information and require to provide
True human body biological characteristic information is bound continue veritifying with credit card.
In one embodiment, the acquisition beneficiary information, and the paying party is determined according to the beneficiary information
The pending payment information of corresponding beneficiary and pending payment volume, comprising:
The beneficiary information that the paying party provides is received, the beneficiary information includes beneficiary account identification letter
Breath and pending payment volume；
The collecting account identification information in the beneficiary information is extracted, and confirms that the collecting account identification information is corresponding
Collecting account be in available mode, otherwise feed back error message give the paying party；
It extracts the pending payment volume in the beneficiary information and confirms the pending payment volume in the credit card of the paying party
Within payable limit.
In one embodiment, the human body biological characteristic information that the basis is submitted together with payment request navigates to binding
Credit card account, the history payment record of the paying party is obtained according to the credit card account, comprising:
Extracting in the human body biological characteristic information that paying party is submitted together when submitting payment request has unique identification
The information of feature；
There is the information retrieval of unique identification feature according to after extraction and navigate to the credit card account bound with it
Number, access the history payment record of the credit card account.
In one embodiment, the non-refund read in the history payment record, judgement is described not to repay
The payment function whether amount of money reaches the credit card of paying party freezes limit, when reaching payment function and freezing limit, limitation this
Secondary payment and present the bill for payment side reduce non-refund and freeze limit hereinafter, freezing to limit in not up to payment function to payment function
When volume, open payment function pays pending payment volume with the beneficiary into beneficiary information, comprising:
When non-refund, which is more than or equal to payment function, freezes limit, this payment is limited, and prompts described pay
Money side makes the amount totals of not repaying in the history payment record freeze limit less than payment function after paying non-refund
Or it is less than setting limit；
When non-refund, which is less than payment function, freezes limit, this payment is completed according to the beneficiary information and is made
Industry.
Based on the same technical idea, present invention also provides a kind of non-card credit payment system, the non-card credit branch
The system of paying includes unit of opening an account, and is arranged to set up the credit card account of paying party and acquires the human body biological characteristics of the paying party
Information；
The number of tying up unit is set as binding the human body biological characteristic information and the credit card account；
Payment request initiates unit, is set as the human body biological characteristics letter for receiving the payment request of paying party and submitting together
Breath；
Payment information submits unit, is set as obtaining the beneficiary information that paying party is submitted, and believed according to the beneficiary
It ceases and determines beneficiary and pending payment volume；
History payment record acquiring unit is set as according to the human body biological characteristics letter submitted together with the payment request
Breath navigates to the credit card account of binding, and the history payment record of the paying party is obtained according to the credit card account；
Judging unit is paid, is set as reading the non-refund in the history payment record, judgement is described not to repay
The payment function whether amount of money reaches the credit card of paying party freezes limit, when reaching payment function and freezing limit, limitation this
Secondary payment and present the bill for payment side reduce non-refund and freeze limit hereinafter, freezing to limit in not up to payment function to payment function
When volume, open payment function pays pending payment volume with the beneficiary into beneficiary information.
Based on the same technical idea, the embodiment of the present application also provides a kind of computer equipment, the computer equipment packet
Include memory and processor, be stored with computer-readable instruction in the memory, the computer-readable instruction by one or
When multiple processors execute, so that the step of one or more processors execute above-mentioned non-card credit method of payment.
Based on the same technical idea, the embodiment of the present application also provides a kind of storages for being stored with computer-readable instruction
Medium, when the computer-readable instruction is executed by one or more processors, so that one or more processors execute
Such as the step of above-mentioned non-card credit method of payment.
Above-mentioned non-card credit method of payment, system, computer equipment and storage medium are opened up in advance for paying party by making
Credit card and after acquiring its human body biological characteristic information, extracts the feature with uniqueness in human body biological characteristic information
As credit payment voucher, this part characteristic information with uniqueness is tied to the credit card account opened up for the paying party
On, subsequent non-card credit payment is carried out with this；When being paid, in addition to submitting beneficiary account information and pending payment volume, also
The human body biological characteristic information of paying party need to be provided simultaneously, as the switch for opening obligation authority；By the letter for judging requestee
Whether exceed preset payment function with the non-refund of the accumulation in the history payment record of card and freeze limit and determines
It is fixed whether to open payment function, it is achieved to make to pay without card.Paying party is not necessarily to carry the entity letter for being easy loss
With card, the privilege feature of Credit Card Payments can be enjoyed by human body biological characteristic information, simultaneously as being not necessarily to special credit
Card reads equipment, is also easy to promote the non-card credit payment technology of the application to small trade company application.
Detailed description of the invention
Fig. 1 is the whole implementation flow chart of the non-card credit method of payment of the application in one embodiment；
Fig. 2 is the flow chart of the step S1 of the non-card credit method of payment of the application in one embodiment；
Fig. 3 is the flow chart of the step S2 of the non-card credit method of payment of the application in one embodiment；
Fig. 4 is the flow chart of the step S4 of the non-card credit method of payment of the application in one embodiment；
Fig. 5 is the flow chart of the step S5 of the non-card credit method of payment of the application in one embodiment；
Fig. 6 is the flow chart of the step S6 of the non-card credit method of payment of the application in one embodiment；
Fig. 7 is the functional framework figure of the non-card credit payment system of the application in one embodiment.
Specific embodiment
It is with reference to the accompanying drawings and embodiments, right in order to which the objects, technical solutions and advantages of the application are more clearly understood
The application is further elaborated.It should be appreciated that specific embodiment described herein is only used to explain the application, and
It is not used in restriction the application.
Fig. 1 is the whole implementation flow chart of the non-card credit method of payment of the application in one embodiment, including step
S1 to step S6:
S1: establishing the credit card account of paying party, and acquires the human body biological characteristic information of the paying party.
This step is using Adaboost learning algorithm acquisition human body biological characteristic information as credit payment voucher, the people
Body biological information feature include face, fingerprint, palm line, iris, retina, sound, the bodily form, personal habits (such as tap key
The dynamics and frequency of disk, signature) etc., corresponding identification technology just have recognition of face, fingerprint recognition, personal recognition, iris recognition,
Retina identification, speech recognition, bodily form identification, keyboard tap identification, signature identification etc.；When it is implemented, can believe in bank etc.
Equipment of the mechanism for card setting for acquiring human body biological characteristic information is opened with card etc., during opening card while acquiring human-body biological
Characteristic information.
S2: the human body biological characteristic information and the credit card account are bound.
This step by extract human body biological characteristic information in the information with unique identification feature, with this with opened
If credit card account bound, after need payment only need provide human body biological characteristic information, can be used as Credit Card Payments
Permission switch.
S3: the payment request of paying party and the human body biological characteristic information of submission are received.
This step can be opened an account by long-range mode by credits card such as payment direction banks and payment mechanism issues payment and asks
It asks, meanwhile, the human body biological characteristic information of paying party, institute are obtained by the collecting biological feature information of human body equipment on remote terminal
State remote terminal can using the mobile terminal devices such as mobile phone, using thereon camera or fingerprint read functions module obtain
The payment mechanisms such as bank are sent to after the human body biological characteristic information of paying party, the remote terminal can also use and be set to quotient
The remote terminal equipment of the remote terminal equipment of the networking at family end, the networking need to be arranged for acquiring human body biological characteristic information
Acquisition unit submits the human body biological characteristic information of payment request and paying party after remotely connecting the payment mechanisms such as bank.
S4: the beneficiary information that paying party is submitted is obtained, and beneficiary and pending payment are determined according to the beneficiary information
Volume.
In this step, paying party can also submit beneficiary information after submitting payment request and human body biological characteristic information,
The pending payment volume of account information and this payment in the information comprising payee.For example, gathering direction paying party offer includes
The two dimensional code of its account information and pending payment volume, paying party parse information therein after scanning the two dimensional code, can be same by the information
Payment request and human body biological characteristic information in S3 step send jointly to payment mechanism；It can also be by being arranged in beneficiary
The payment devices of networking, the functional module of setting acquisition human body biological characteristics, the equipment itself have unique specified in the equipment
Network physical address for indicating its affiliated trade company, after the credit card of the trade company and paying party opens an account mechanism networking
Send the beneficiary information that merchant information is paid as this.
S5: the credit card account of binding is navigated to according to the human body biological characteristic information submitted together with the payment request
Number, the history payment record of the paying party is obtained according to the credit card account.
In this step, the payment request of paying party is received in payment mechanisms such as banks and therewith the human body sent together is raw
After object characteristic information, the information with unique identification feature in human body biological information is extracted, and have only according to this
The information of one identification feature searches the information record met in its database, and the record found is that the paying party is opening up letter
With the human body biological characteristic information of typing when card, and credit card account of binding is navigated to according to this, extracts paying in the account
The history payment record of money side.
S6: reading the non-refund in the history payment record, judges whether the non-refund reaches payment
The payment function of credit card of side freezes limit, when reaching payment function and freezing limit, limits this payment and present the bill for payment
Side reduces non-refund and freezes limit hereinafter, when not up to payment function freezes limit to payment function, opens payment function
Can, pending payment volume is paid with the beneficiary into beneficiary information.
In this step, the payment mechanisms such as bank are after the history payment record of the credit card account of access paying party, search
Non- refund in the history payment record, and limit is freezed according to the payment function of the amount of money and credit card setting and does ratio
Compared with to determine whether this open payment.The payment function of credit card freezes limit and is set in advance in credit card account, to letter
It is limited with the amount that card user pays, such as odd-numbered day maximum payment amount, single transaction payment amount, in the application
After Credit Card Payments feature freeze limit refers to that the non-refund of accumulation reaches certain amount, freeze the payment function of the credit card
Energy.
The application by above method step, realize paying party by itself human body biological characteristic information as payment with
Card opens Credit Card Payments function, in use, without cooperating entity credit card, it is only necessary to be opened by remote terminal equipment and credit card
The human body biological characteristic information of itself is provided after the networking of family mechanism as the voucher for opening obligation authority, is avoided tradition and is used letter
The problem of with card operation bring credit card failure or losing credit card must be taken when card.
Fig. 2 is the implementation flow chart of the step S1 of the non-card credit method of payment of the application in one embodiment, is such as schemed
Show, step S1 includes step S101 to step S103:
S101: it receives the credit card that paying party provides and opens an account required material.
In the present embodiment, user had over 18 one full year of life；Hold effective identity card；Condition without bad credit record,
Can have regular worker to testify；The income for being stamped unit finance seal proves other financial statements, as house property, automobile, stock,
Debt volume etc.；Social old-age insurance proves；When the condition of two contact persons is provided, application bank card or credit card are handled in bank
Account opening procedure.
S102: verifying the credit card and open an account the authenticity of required material, verify provided after passing through one open an account after letter
With card account, otherwise provides the error information that cannot be opened an account and the paying party is prompted to provide authentic material.
In the present embodiment, the open an account credit card of authorities paying party offer of credit card is opened an account after material, to letter therein
Breath authenticity is veritified, and can pass through the user data veritified before this by connecting the database veritification for the mechanism itself that opens an account
In corresponding informance, also can connect online checking citizenship information system carry out user identity authenticity veritify.Networking
When verifying the work of citizenship information system, based on the existing Intranet of the People's Bank and internetworking platform, to the Ministry of Public Security
Information sharing system forwarding the People's Bank user and respective preposition by the system of accounts, credit investigation system, anti money washing system
System, which issues, verifies request；Receive and forward business bank user and is sent out by its comprehensive business system by its front-end system
Verification request out；Receive and forward the verification result of Ministry of Public Security's information sharing system.
S103: the human body biological characteristic information of the paying party after opening an account successfully is obtained by acquisition equipment.
In the present embodiment, setting acquisition equipment, when opening card while carrying out human-body biological to paying party at the mechanism that opens an account
The acquisition of characteristic information, can by using Adaboost learning algorithm acquire user's biological information of human body feature, such as face,
Fingerprint or iris etc. are put on record in bank's background system.
Fig. 3 is a kind of implementation flow chart of the step S2 of non-card credit method of payment in one embodiment, as shown, step
Rapid S2 includes step S201 and step S202:
S201: the information with unique identification feature in the human body biological characteristic information is extracted.
After the present embodiment is to the collecting biological feature information of human body of paying party, letter wherein with unique identification feature is extracted
Breath is used as evidence for payment, for binding with the credit card account after opening an account, for example, bright to face by AVS03A image processor
It is secretly detected, the compensation of adjust automatically dynamic exposure, extracts the part in face with unique identification feature as generation credit
The foundation of evidence for payment.
S202: the information with unique identification feature and the credit card account are bound.
Paying party can include hand by mobile terminal or remote control terminal user bound credit card information, the mobile terminal
Machine, tablet computer, the Terminal Server Client include the personal computer or ATM terminating machine for accessing internet, user bound letter
With real information of card, including credit card number, Real Name, identification card number etc., to establish user credit card and credit payment
Binding relationship between voucher.
The present embodiment is by the extraction to the part with unique identification feature in human body biological characteristic information, with credit
After card binding, the obligation authority of credit card and the one-to-one correspondence of human body biological characteristic information are realized, be that subsequent realization can not credit
Payment provides optimized integration.
In one embodiment, implement also to need before the step S2 of the non-card credit method of payment of the application to paying party body
The authenticity of part information is veritified, and verification process obtains the base of paying party by connection online checking citizenship information system
This information verifies the identity reality of paying party, and verification result includes:
If being verified, it is determined that the paying party identity information is true, allows to bind credit card and adopt that paying party is opened an account
Collect and the information with uniqueness identification feature in the human body biological characteristic information extracted；
If verifying does not pass through, it is determined that the paying party information is not firm, does not allow to bind, and provides prompt information and require to provide
True human body biological characteristic information is bound continue veritifying with credit card.
In the present embodiment, the Real Name veritified include to paying party is carried out to the authenticity of the identity information of paying party,
The verifying of human body biological characteristic information, ID card No. etc., by the body for submitting paying party in mobile device or remote terminal
Part information, if the user information stored in subscriber identity information and online checking citizenship information system that discovery receives
Unanimously, then determine that the user is true and validated user, then succeed user bound credit card and credit payment voucher.When verifying,
The user information stored in the identity information and online checking citizenship information system provide paying party matches, complete
Exactly the same or biological information of human body feature similarity mode value has reached preset 90 percent, then it is assumed that between information
It is consistent, is otherwise judged as inconsistent.
For example, face information identification matching include: extraction facial image characteristic and database in deposit
The feature templates of storage scan for matching, by set a threshold value, when similarity be more than this threshold value, then matching is obtained
As a result it exports.Recognition of face is exactly to be compared face characteristic to be identified with obtained skin detection, according to phase
Judge like identity information of the degree to face.This process is divided into two classes again: one kind is confirmation, is one-to-one carry out image
The process compared, another kind of is identification, is the one-to-many process for carrying out images match comparison.Face identification method includes that identification is calculated
Method and identification data, in general, face identification system include that image capture, Face detection, image preprocessing and face are known
Not (identity validation or identity finder).System input is usually one or a series of face figures containing not determining identity
Recognition of face, facial image recognition or the corresponding coding of several known identities in picture and face database, and its output is then
It is a series of similarity scores, shows the identity of face to be identified, wherein face recognition algorithms includes: based on face characteristic
The recognizer of point；Recognizer based on whole picture facial image；Recognizer based on template；Known using neural network
Other algorithm etc..Facial recognition data includes: that recognition of face needs to accumulate the relevant data of collected a large amount of facial images,
For verification algorithm, identification accuracy, these data such as A Neural Network Face Recognition is continuously improved
Assignment (Neural Network for Face Recognition data), orl face database, Massachusetts Institute of Technology's biology and calculating learning center
Face recognition database, University of Essex's computer and Institute Of Electrical Engineering facial recognition data etc..
Fig. 4 is the flow chart of the step S4 of the non-card credit method of payment of the application in one embodiment, as shown,
Step S4 includes step S401 to step S403:
S401: the beneficiary information that the paying party provides is received, the beneficiary information includes beneficiary account
Identification information and pending payment volume.
Paying party is opened an account after mechanism by remote terminal equipment by being connected to the network credit card, and the letter of beneficiary is provided it
The information such as the time of breath, the account identification information including beneficiary, pending payment volume and payment request.The remote terminal equipment packet
Mobile phone, tablet computer, the personal computer for accessing internet or ATM terminating machine etc. are included, in implementation process, can also be passed through
Setting realizes that non-card credit is paid for receiving the reception terminal of payment at medium and small self-employed businessman, after setting receives terminal,
Establish merchant end and credit card open an account mechanism payment transaction between connection, by the way that trade company's reception terminal is mounted on credit card
Franchised business and accept in site, and network is unified into computer, to realize transferring accounts automatically for electronic funds
S402: extracting the collecting account identification information in the beneficiary information, and confirms the collecting account identification letter
It ceases corresponding collecting account and is in available mode, otherwise feed back error message to the paying party.
Credit card opens an account mechanism after receiving beneficiary information, extracts simultaneously to beneficiary account identification information therein
Identification, judges whether the beneficiary in the mechanism that opens an account has account, and judges whether the account is in available mode, if hair
It is now unavailable without account or account, then error message is fed back to the equipment at paying party, and is prompted without account or account not
The reason of can using.
S403: extracting the pending payment volume in the beneficiary information and confirms the pending payment volume in the credit of the paying party
Within the payable limit of card.
When confirming that beneficiary account is available, the mechanism that opens an account extracts pending payment volume therein and verifies the credit of the paying party
Whether card account can be used, and judge available amount therein, when account is unavailable or available amount deficiency, feed back corresponding
Error information is to paying party.
The present embodiment is by remotely obtaining and veritify the pending payment information that paying party provides, including beneficiary information and wait pay
Amount of money, it is ensured that payment is gone on smoothly, and is unsuccessfully to provide corresponding informance in information veritification, to assist paying party amendment to submit
Information.
Fig. 5 is the implementation flow chart of the step S5 of the non-card credit method of payment of the application in one embodiment, is such as schemed
Shown, step S5 includes step S501 to step S502:
Step S501: having in the human body biological characteristic information that paying party is submitted together when submitting payment request is extracted
The information of unique identification feature.
Credit card opens an account mechanism after getting the payment request of paying party, the human body biological characteristics letter submitted together to it
Breath have unique identification feature part extraction, for the submission when the credit card of paying party is opened an account in its database
Human body biological characteristic information in the data with unique identification feature be compared, the payment request of paying party is judged with this
It is whether legal.
Step S502: information retrieval according to after extraction with unique identification feature and navigating to is bound with it
Credit card account accesses the history payment record of the credit card account.
It is split in this, as retrieval object after information in extracting human body biological characteristic information with unique identification feature
The customer data base of family mechanism carries out retrieval matching, when hitting corresponding record, then confirms that this payment request is legal asks
It asks, and opens the access authority of corresponding credit card with this, for accessing history payment record therein, mentioned for continuation payment judgement
For foundation.
The present embodiment is mentioned by the part with unique identification feature in the human body biological characteristic information to paying party
It takes, the access authority of credit card is opened in this, as credit payment voucher, and read history payment record therein, be subsequent
Judgement in payment provides foundation.
Fig. 6 is the implementation flow chart of the step S6 of the non-card credit method of payment of the application in one embodiment, is such as schemed
Shown, step S6 includes step S601 to step S602:
Step S601: when non-refund, which is more than or equal to payment function, freezes limit, this payment is limited, and mention
Showing makes not repay amount totals less than payment function in the history payment record after the paying party pays non-refund
Freeze limit or is less than setting limit.
The payment function that credit card is arranged in the background system that credit card opens an account mechanism freezes limit, by setting a threshold
Value, is arranged the number of the threshold value according to actual needs, when paying party is more than to be somebody's turn to do using the accumulative non-service payments of the Credit Card Payments
When threshold value, the payment function of the credit card is frozen.The payment function is cooperated to freeze limit, payment function again is first repaid in setting,
When the payment function of paying party is frozen and needs to pay, provides prompt and it is required to repay centainly non-amount to pay, make to add up
Non- service payments be lower than certain amount, then open payment function, certain amount can be arranged according to the credit value of paying party, can also
To be independently arranged.
Step S602: when non-refund, which is less than payment function, freezes limit, this is completed according to the beneficiary information
Secondary payment operation.
When accumulative non-service payments in the history payment record of paying party freezes limit lower than the payment function of credit card,
Open payment function completes this payment, and compares the ratio that accumulated value and payment function after this payment freeze limit, leads to
Setting payment warning function is crossed to inform that the frozen risk of continuation payment, the payment warning function are after reminding paying party
There is the risk of payment failure since the accumulative total of non-service payments is excessively high in continuous payment.
The present embodiment freezes limit by setting payment function to constrain the payment behavior of paying party, and can be according to neatly
The amount is set, and the repayment enthusiasm that can either improve paying party can reduce the risk for the mechanism that opens an account again.
Based on the same technical idea, the application also proposed a kind of non-card credit payment system, as shown in fig. 7, described
Non-card credit payment system includes open an account unit, the number of tying up unit, payment request initiation unit, payment information submission unit, history
Payment record acquiring unit and payment judging unit, in which: unit of opening an account is arranged to set up the credit card account of paying party and adopts
Collect the human body biological characteristic information of the paying party；The number of tying up unit is set as the human body biological characteristic information and the letter
It is bound with card account；Payment request initiates unit, is set as the human-body biological for receiving the payment request of paying party and submitting together
Characteristic information；Payment information submits unit, is set as obtaining the beneficiary information that paying party is submitted, and believed according to the beneficiary
It ceases and determines beneficiary and pending payment volume；History payment record acquiring unit is set as basis and submits together with the payment request
Human body biological characteristic information navigate to the credit card account of binding, going through for the paying party is obtained according to the credit card account
History payment record；Judging unit is paid, is set as reading the non-refund in the history payment record, judges the outstanding
The payment function that also whether the amount of money reaches the credit card of paying party freezes limit, when reaching payment function and freezing limit, limitation
This payment and present the bill for payment side reduce non-refund and freeze limit hereinafter, freezing in not up to payment function to payment function
When limit, open payment function pays pending payment volume with the beneficiary into beneficiary information.
Based on the same technical idea, the embodiment of the present application also provides a kind of computer equipment, the computer equipment packet
Memory and processor are included, computer-readable instruction is stored in memory, computer-readable instruction is handled by one or more
When device executes so that one or more processor realized when executing computer-readable instruction in the various embodiments described above without card
The step of credit payment method.
Based on the same technical idea, the embodiment of the present application also provides a kind of storage Jie for being stored with computer-readable instruction
Matter, when the computer-readable instruction is executed by one or more processors, so that one or more processors execute institute
The step of realizing the non-card credit method of payment in the various embodiments described above when stating computer-readable instruction.The storage medium can be with
For non-volatile memory medium.
Those of ordinary skill in the art will appreciate that all or part of the steps in the various methods of above-described embodiment is can
It is completed with instructing relevant hardware by program, which can be stored in a computer readable storage medium, storage
Medium may include: read-only data library (ROM, Read Only Memory), Random Access Data library (RAM, Random
Access Memory), disk or CD etc..
Each technical characteristic of embodiment described above can be combined arbitrarily, for simplicity of description, not to above-mentioned reality
It applies all possible combination of each technical characteristic in example to be all described, as long as however, the combination of these technical characteristics is not deposited
In contradiction, it is all considered to be the range of the description of the present application record.
The some exemplary embodiments of the application above described embodiment only expresses, the description thereof is more specific and detailed, but
It cannot be understood as the limitations to the application patent scope of the claimed.It should be pointed out that for this field
For those of ordinary skill, without departing from the concept of this application, various modifications and improvements can be made, these deformations
Protection scope required by the application is belonged to improving.Therefore, the protection scope of the application patent should be with appended claims
Subject to.
Claims (10)
1. a kind of non-card credit method of payment, which comprises the steps of:
The credit card account of paying party is established, and acquires the human body biological characteristic information of the paying party；
The human body biological characteristic information and the credit card account are bound；
Receive the payment request of paying party and the human body biological characteristic information of submission；
The beneficiary information that paying party is submitted is obtained, and beneficiary and pending payment volume are determined according to the beneficiary information；
The credit card account that binding is navigated to according to the human body biological characteristic information submitted together with the payment request, according to institute
State the history payment record that credit card account obtains the paying party；
The non-refund in the history payment record is read, judges whether the non-refund reaches the credit of paying party
The payment function of card freezes limit, when reaching payment function and freezing limit, limits this payment and present the bill for payment side reduces not
Refund to payment function freezes limit hereinafter, when not up to payment function freezes limit, open payment function, with to receipts
Beneficiary in money side's information pays pending payment volume.
2. a kind of non-card credit method of payment according to claim 1, which is characterized in that the credit for establishing paying party
Card account, and the human body biological characteristic information for acquiring the paying party includes:
The credit card that paying party provides is received to open an account required material；
The credit card is verified to open an account the authenticity of required material, verify provided after passing through one open an account after credit card account,
Otherwise it provides the error information that cannot be opened an account and the paying party is prompted to provide authentic material；
The human body biological characteristic information of the paying party after opening an account successfully is obtained by acquisition equipment.
3. a kind of non-card credit method of payment according to claim 2, which is characterized in that described that the human-body biological is special
Sign is bound with the credit card account, comprising:
Extract the information with unique identification feature in the human body biological characteristic information；
The information with unique identification feature and the credit card account are bound.
4. a kind of non-card credit method of payment according to claim 1, which is characterized in that by the human body biological characteristics
Before credit card account binding, the verifying including the identity information authenticity to paying party, verification process passes through connection
Online checking citizenship information system obtains the essential information of paying party to verify the identity reality of paying party, verification result
Include:
If being verified, it is determined that the paying party identity information is true, allows to bind credit card and acquire simultaneously that paying party is opened an account
The information with uniqueness identification feature in the human body biological characteristic information of extraction；
If verifying does not pass through, it is determined that the paying party information is not firm, does not allow to bind, and provides prompt information and require to provide really
Human body biological characteristic information so as to continue veritify and credit card binding.
5. a kind of non-card credit method of payment according to claim 1, which is characterized in that the acquisition beneficiary information,
And the pending payment information of the corresponding beneficiary of the paying party and pending payment volume is determined according to the beneficiary information, comprising:
Receive the beneficiary information that the paying party provides, the beneficiary information include beneficiary account identification information and
Pending payment volume；
The collecting account identification information in the beneficiary information is extracted, and confirms the corresponding receipts of the collecting account identification information
Money account is in available mode, otherwise feeds back error message to the paying party；
It extracts the pending payment volume in the beneficiary information and confirms that the pending payment volume is propped up in the credit card of the paying party
It pays within limit.
6. a kind of non-card credit method of payment according to claim 1, which is characterized in that the basis and payment request one
The credit card account that the human body biological characteristic information submitted navigates to binding is acted, the payment is obtained according to the credit card account
The history payment record of side, comprising:
Extracting in the human body biological characteristic information that paying party is submitted together when submitting payment request has unique identification feature
Information；
There is the information retrieval of unique identification feature according to after extraction and navigate to the credit card account bound with it, visit
Ask the history payment record of the credit card account.
7. a kind of non-card credit method of payment according to claim 1, which is characterized in that described to read the history payment
Non- refund in record judges that the payment function for the credit card whether non-refund reaches paying party freezes to limit
Volume limits this payment and present the bill for payment side reduces non-refund to payment function when reaching payment function and freezing limit
Freeze limit hereinafter, payment function is opened, with the beneficiary into beneficiary information when not up to payment function freezes limit
Pay pending payment volume, comprising:
When non-refund, which is more than or equal to payment function, freezes limit, this payment is limited, and prompt the paying party
Pay make after non-refund in the history payment record do not repay amount totals less than payment function freeze limit or
Less than setting limit；
When non-refund, which is less than payment function, freezes limit, this payment operation is completed according to the beneficiary information.
8. a kind of non-card credit payment system characterized by comprising
It opens an account unit, is arranged to set up the credit card account of paying party and acquires the human body biological characteristic information of the paying party；
The number of tying up unit is set as binding the human body biological characteristic information and the credit card account；
Payment request initiates unit, is set as the human body biological characteristic information for receiving the payment request of paying party and submitting together；
Payment information submits unit, is set as obtaining the beneficiary information that paying party is submitted, and true according to the beneficiary information
Determine beneficiary and pending payment volume；
History payment record acquiring unit is set as fixed according to the human body biological characteristic information submitted together with the payment request
Position obtains the history payment record of the paying party according to the credit card account to the credit card account of binding；
Judging unit is paid, is set as reading the non-refund in the history payment record, judges the non-refund
The payment function for whether reaching the credit card of paying party freezes limit, when reaching payment function and freezing limit, limits this branch
It pays and present the bill for payment side reduces non-refund and freezes limit hereinafter, freezing limit in not up to payment function to payment function
When, open payment function pays pending payment volume with the beneficiary into beneficiary information.
9. a kind of computer equipment, including memory and processor, it is stored with computer-readable instruction in the memory, it is described
When computer-readable instruction is executed by one or more processors, so that one or more processors execute such as right
It is required that described in any one of 1 to 7 the step of non-card credit method of payment.
10. a kind of storage medium for being stored with computer-readable instruction, the computer-readable instruction is handled by one or more
When device executes, so that one or more processors execute the non-card credit payer as described in any one of claims 1 to 7
The step of method.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810894634.4A CN109165949A (en) | 2018-08-08 | 2018-08-08 | Non-card credit method of payment, system, computer equipment and storage medium |
| PCT/CN2018/106686 WO2020029384A1 (en) | 2018-08-08 | 2018-09-20 | Card-free credit payment method and system, computer device and storage medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810894634.4A CN109165949A (en) | 2018-08-08 | 2018-08-08 | Non-card credit method of payment, system, computer equipment and storage medium |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN109165949A true CN109165949A (en) | 2019-01-08 |
Family
ID=64895360
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201810894634.4A Withdrawn CN109165949A (en) | 2018-08-08 | 2018-08-08 | Non-card credit method of payment, system, computer equipment and storage medium |
Country Status (2)
| Country | Link |
|---|---|
| CN (1) | CN109165949A (en) |
| WO (1) | WO2020029384A1 (en) |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111915289A (en) * | 2020-08-07 | 2020-11-10 | 北京云从科技有限公司 | Commodity transaction method, system, platform, equipment and medium based on face recognition |
| CN112308557A (en) * | 2020-11-18 | 2021-02-02 | 盐城鸿石智能科技有限公司 | Credit consumption system based on 3D camera and block chain and implementation method thereof |
Families Citing this family (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20220027812A1 (en) * | 2020-07-24 | 2022-01-27 | Sib BAHJAT | System and method for storing and retrieving a historical entry to generate a renter risk report |
| TWI810533B (en) * | 2021-03-08 | 2023-08-01 | 玉山商業銀行股份有限公司 | Method and system for financial proof |
| CN113516547B (en) * | 2021-04-23 | 2023-10-03 | 武汉赢联数据技术股份有限公司 | Voice broadcast type hierarchical credit card customer risk early warning system |
Family Cites Families (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1760904A (en) * | 2005-11-17 | 2006-04-19 | 张晔 | Charging system based on validation of fingerprint |
| CN105303439A (en) * | 2015-05-11 | 2016-02-03 | 罗卫东 | Bank system adopting human face recognition to enter account and confirming service through fingerprint |
| CN106060019A (en) * | 2016-05-20 | 2016-10-26 | 张宇川 | Bank account management system and method based on intelligent client |
| CN106651566A (en) * | 2016-12-14 | 2017-05-10 | 江苏富士通通信技术有限公司 | Card-free withdrawal method and apparatus |
| CN107230083A (en) * | 2017-07-25 | 2017-10-03 | 陈景银 | The identification of internet intelligent individual information fingerprint, fingerprint are paid |
-
2018
- 2018-08-08 CN CN201810894634.4A patent/CN109165949A/en not_active Withdrawn
- 2018-09-20 WO PCT/CN2018/106686 patent/WO2020029384A1/en active Application Filing
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111915289A (en) * | 2020-08-07 | 2020-11-10 | 北京云从科技有限公司 | Commodity transaction method, system, platform, equipment and medium based on face recognition |
| CN112308557A (en) * | 2020-11-18 | 2021-02-02 | 盐城鸿石智能科技有限公司 | Credit consumption system based on 3D camera and block chain and implementation method thereof |
Also Published As
| Publication number | Publication date |
|---|---|
| WO2020029384A1 (en) | 2020-02-13 |
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Application publication date: 20190108 |