CN109191091A - 一种新型智能电子通用支付系统 - Google Patents

一种新型智能电子通用支付系统 Download PDF

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Publication number
CN109191091A
CN109191091A CN201810893440.2A CN201810893440A CN109191091A CN 109191091 A CN109191091 A CN 109191091A CN 201810893440 A CN201810893440 A CN 201810893440A CN 109191091 A CN109191091 A CN 109191091A
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CN
China
Prior art keywords
payment
account
platform
novel intelligent
automatically
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Pending
Application number
CN201810893440.2A
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English (en)
Inventor
不公告发明人
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Gaohua Metal Science And Technology Service Center Wujiang District Shaoguan City
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Gaohua Metal Science And Technology Service Center Wujiang District Shaoguan City
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Application filed by Gaohua Metal Science And Technology Service Center Wujiang District Shaoguan City filed Critical Gaohua Metal Science And Technology Service Center Wujiang District Shaoguan City
Priority to CN201810893440.2A priority Critical patent/CN109191091A/zh
Publication of CN109191091A publication Critical patent/CN109191091A/zh
Pending legal-status Critical Current

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
    • 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
    • G06Q20/085—Payment architectures involving remote charge determination or related payment systems
    • G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
    • 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
    • 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
    • G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
    • 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

Abstract

一种新型智能电子通用支付系统，其特征在于用户只需要拥有一个资金支付账号，无论对方使用何种支付方式，均可完成电子支付(包括扫码支付)：平台自动从付款账户代收款，然后自动代付款到收款方账户，从而完成收付款操作。包括以下操作步骤：S1‑注册平台用户账号；S2‑登记资金支付账号；S3‑付款/收款操作；S4‑选择对方的支付方式；S5‑平台代收款；S6‑平台代付款到收款方账号；S7‑操作结束。

Description

一种新型智能电子通用支付系统
技术领域
本发明涉及电子支付领域，尤其是涉及一种新型智能电子通用支付系统。
背景技术
电子支付，尤其是扫码支付，其方便快捷的特点，深受广大人民群众的喜爱。支持扫码支付的服务商众多，有支付宝、微信支付、云闪付等等，互相之间不能实现收付款，收款方和付款方必须有相同类型的支付账号才能完成扫码支付，降低了扫码支付的便捷性。用户为了满足不同场合的扫码支付，不得不开通支付宝、微信支付、云闪付登等多种支付账号。
发明内容
为了解决上述问题，本发明提供一种新型智能电子通用支付系统，只需开通一个电子支付账号，就可实现任意类型的电子支付(包括扫码支付)。
本发明采用的技术方案是：一种新型智能电子通用支付系统，其特征在于用户只需要拥有一个资金支付账号，无论对方使用何种支付方式，均可完成电子支付(包括扫码支付)：平台自动从付款账户代收款，然后自动代付款到收款方账户，从而完成收付款操作。包括以下操作步骤：S1-注册平台用户账号；S2-登记资金支付账号；S3-付款/收款操作；S4-选择对方的支付方式；S5-平台代收款；S6-平台代付款到收款方账号；S7-操作结束。
附图说明
附图1是本发明新型智能电子通用支付系统的流程图。
S1-注册平台：用户在本系统平台注册一个用户账号。
S2-登记资金支付账号：用户登记与平台用户账号相关联的资金支付账号，可以登记一个资金支付账号，也可以登记多个资金支付账号，包括开通了网银的银行卡、信用卡、支付宝、微信支付等。
S3-付款/收款操作：用户发起付款/收款操作。
S4-选择对方的收/付款方式。
S5-平台代收款：平台自动代替收取付款方支付的金额。
S6-平台代付款到收款方账号：平台代收款后，自动代付款到收款方账号。
S7-操作结束。
具体实施方式
如附图1所示，对本发明实施例中的技术方案进行清楚、完整的描述，但是，所描述的实施例仅是本发明的一个实施例，而不是全部的实施例,因此，改变本发明实施例名称的系统依然在本专利权的保护范围内。

Claims (2)

1.一种新型智能电子通用支付系统，其特征在于用户只需要拥有一个资金支付账号，无论对方使用何种支付方式，均可完成电子支付(包括扫码支付)：平台自动从付款账户代收款，然后自动代付款到收款方账户，从而完成收付款操作。
2.根据权利要求1所述的跨平台智能电子支付系统，包括以下操作步骤：S1-注册平台用户账号；S2-登记资金支付账号；S3-付款/收款操作；S4-选择对方的支付方式；S5-平台代收款；S6-平台代付款到收款方账号；S7-操作结束。
CN201810893440.2A 2018-08-07 2018-08-07 一种新型智能电子通用支付系统 Pending CN109191091A (zh)

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CN201810893440.2A CN109191091A (zh) 2018-08-07 2018-08-07 一种新型智能电子通用支付系统

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CN201810893440.2A CN109191091A (zh) 2018-08-07 2018-08-07 一种新型智能电子通用支付系统

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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN112215599A (zh) * 2020-09-16 2021-01-12 湖南三湘银行股份有限公司 一种以二维码为载体的金融收付方法及装置

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101841569A (zh) * 2010-05-17 2010-09-22 成都中联信通科技有限公司 一种基于web技术实现跨平台的手机支付方法
CN102222290A (zh) * 2010-04-13 2011-10-19 周毅 万能支付平台
CN104463584A (zh) * 2014-11-13 2015-03-25 广东优迈信息通信股份有限公司 实现移动端App安全支付的方法
CN105678528A (zh) * 2016-01-18 2016-06-15 连连银通电子支付有限公司 一种跨平台支付系统

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN102222290A (zh) * 2010-04-13 2011-10-19 周毅 万能支付平台
CN101841569A (zh) * 2010-05-17 2010-09-22 成都中联信通科技有限公司 一种基于web技术实现跨平台的手机支付方法
CN104463584A (zh) * 2014-11-13 2015-03-25 广东优迈信息通信股份有限公司 实现移动端App安全支付的方法
CN105678528A (zh) * 2016-01-18 2016-06-15 连连银通电子支付有限公司 一种跨平台支付系统

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN112215599A (zh) * 2020-09-16 2021-01-12 湖南三湘银行股份有限公司 一种以二维码为载体的金融收付方法及装置

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Application publication date: 20190111