CN110956460A - Reinforced payment method and system - Google Patents

Reinforced payment method and system Download PDF

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CN110956460A
CN110956460A CN201911067675.7A CN201911067675A CN110956460A CN 110956460 A CN110956460 A CN 110956460A CN 201911067675 A CN201911067675 A CN 201911067675A CN 110956460 A CN110956460 A CN 110956460A
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payment
information
payee
module
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刘子豪
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327Short range or proximity payments by means of M-devices
    • G06Q20/3276Short 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
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/389Keeping log of transactions for guaranteeing non-repudiation of a transaction
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, 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
    • G06Q20/403Solvency checks

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  • General Physics & Mathematics (AREA)
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  • Finance (AREA)
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  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The invention discloses a reinforced payment method and a system, wherein the method comprises the following steps: setting a frame two-dimensional code, and acquiring identity information of a payer when the payer scans; generating transaction record information and transmitting the transaction record information to the background of the collection software for storage; the payer inputs and confirms the payment amount, and pays after verifying the identity information of the payer; judging whether the payer finishes payment, if so, finishing the payment operation, and if not, executing the next step; judging whether the payer cancels the payment operation, if so, executing the next step, and if not, returning to the third step; recording the default information of the payer, sending a warning to the payee, contacting the payer according to the transaction record information and prompting the payer to finish payment, and executing the third step after the payer receives the payment prompting information sent by the payee. The payment method aims to solve the problem that a payer maliciously escapes payment in the two-dimensional code collection and payment in the prior art. The technical effects are as follows: the proper benefits of the merchant are maintained.

Description

Reinforced payment method and system
Technical Field
The embodiment of the invention relates to the technical field of payment methods, in particular to a reinforced payment method and a reinforced payment system.
Background
In the prior art, with the rise of electronic payment methods such as payment treasured and WeChat payment, because electronic payment does not need to carry cash, the security is better compared with cash transaction, and the transaction efficiency is far higher than the cash payment method, therefore, people are more and more inclined to electronic payment when consuming, however, in the process of payment by a payer actively scanning the two-dimensional code of the payer to scan the code, the phenomenon that the payer leaves without payment often occurs, the benefit of a merchant is seriously damaged, and after the consumer leaves without payment, the consumer can not track the payer, and the loss of the merchant is caused.
Disclosure of Invention
Therefore, the embodiment of the invention provides a reinforced payment method and a system, which are used for solving the problem that a payer evades payment maliciously in the two-dimensional code collection and payment in the prior art.
In order to achieve the above object, the embodiments of the present invention provide the following technical solutions:
according to a first aspect of embodiments of the present invention, a method of consolidating payment, comprises the steps of: s10, arranging a frame two-dimensional code around the collection two-dimensional code, and acquiring the identity information of the payer when the payer scans the two-dimensional code; step S20, the payer identity information and the payee identity information are associated to generate transaction record information, and the transaction record information is transmitted to the background of the receipt software for storage; step S30, the payer inputs and confirms the payment amount, and the payer checks the identity information and pays; step S40, determining whether the payer finishes payment, if yes, finishing the payment operation, if no, executing step S50; step S50, determining whether the payer cancels the payment operation, if yes, executing step S60, if no, returning to step S30; and step S60, recording the default information of the payer, sending a warning to the payee, contacting the payer according to the transaction record information by the payee, prompting the payer to finish payment, and executing step S30 after the payer receives the prompting payment information sent by the payee.
Further, the transaction record information comprises transaction time, transaction place, transaction commodity content, payer contact information and payee contact information.
Further, the method for verifying the identity information of the payer is any one of password verification, fingerprint verification or face brushing verification.
Furthermore, the eyeball iris information is verified in the face brushing verification process.
Further, step S60 is followed by: step S70: when the payer refuses to pay after receiving the payment prompting information sent by the payee, the background automatically deducts money from the bound payment account of the payer; step S80, whether the automatic deduction is successful or not is judged, if yes, step S90 is executed, and if not, step S91 is executed; step S90, when the automatic deduction of the account of the payer is successful, if the automatic deduction amount exceeds the payable amount, the payer contacts the payee to return the surplus payment amount; and step S91, when the automatic deduction of the account of the payer fails, recording the credit losing behavior of the payer, and deducting the personal credit point of the payer.
The invention has the following advantages: the frame two-dimensional code provided by the invention realizes the recording of the information of the payer, can effectively track when the payer evades the payment behavior maliciously, maintains the legitimate interest of the merchant, and can find the merchant to negotiate the refund through the transaction record information in time when the payer finds that the payment amount exceeds the amount payable by the commodity, so that the economic benefit of the merchant and the economic benefit of the consumer can be maintained in the two-dimensional code payment transaction process, and the occurrence of the phenomenon of evading the payment maliciously is effectively avoided.
According to a second aspect of an embodiment of the present invention, a ruggedized payment system includes: the information acquisition module is used for setting a frame two-dimensional code around the collection two-dimensional code and acquiring the identity information of the payer when the payer scans the two-dimensional code; the transaction recording module is used for associating the payer identity information with the payee identity information to generate transaction recording information and transmitting the transaction recording information to the background of the receipt software for storage; the payment confirmation module is used for inputting and confirming the payment amount by the payer, and performing payment after verifying the identity information of the payer; the payment judging module is used for judging whether the payer finishes payment, if so, the payment operation is ended, and if not, the cancellation judging module is executed; the cancellation judging module is used for judging whether the payer cancels the payment operation, if so, the payment prompting module is executed, and if not, the payment prompting module returns to the payment confirming module; and the payment prompting module is used for recording default information of the payer and sending a warning to the payee, the payee contacts the payer according to the transaction record information and prompts the payer to finish payment, and the payer executes the payment confirming module after receiving the payment prompting information sent by the payee.
Further, the transaction record information comprises transaction time, transaction place, transaction commodity content, payer contact information and payee contact information.
Further, the method for verifying the identity information of the payer is any one of password verification, fingerprint verification or face brushing verification.
Furthermore, the eyeball iris information is verified in the face brushing verification process.
Further, still include: the automatic deduction module is used for automatically deducting money from the bound payment account of the payer by the background when the payer refuses to pay after receiving the payment prompting information sent by the payee; the deduction judging module is used for judging whether the automatic deduction is successful or not, if so, the excess returning module is executed, and if not, the lost credit recording module is executed; the excess returning module is used for contacting the payee to return the excess payment amount if the automatic deduction amount exceeds the payable amount when the automatic deduction of the account of the payer is successful; and the execution credit loss recording module is used for recording the credit loss behavior of the payer and deducting the personal credit point of the payer when the automatic deduction of the account of the payer fails.
The invention has the following advantages: the information acquisition module and the transaction recording module are arranged, so that the information of the payer is recorded, when the payer evades the payment maliciously, the information can be effectively tracked through corresponding functions in software, the proper benefit of the merchant is maintained, when the payer finds that the payment amount exceeds the amount which can be paid by the commodity, the merchant can be found out in time through the transaction recording information to negotiate and refund, in the two-dimensional code payment transaction process, the economic benefit of the merchant can be maintained, the economic benefit of the consumer is also maintained, and the occurrence of the phenomenon of evading the payment maliciously is effectively avoided.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below. It should be apparent that the drawings in the following description are merely exemplary, and that other embodiments can be derived from the drawings provided by those of ordinary skill in the art without inventive effort.
The structures, ratios, sizes, and the like shown in the present specification are only used for matching with the contents disclosed in the specification, so as to be understood and read by those skilled in the art, and are not used to limit the conditions that the present invention can be implemented, so that the present invention has no technical significance, and any structural modifications, changes in the ratio relationship, or adjustments of the sizes, without affecting the effects and the achievable by the present invention, should still fall within the range that the technical contents disclosed in the present invention can cover.
Fig. 1 is a flow chart of a method for consolidated payment according to some embodiments of the present invention.
Fig. 2 is a flowchart of a method for consolidated payment according to other embodiments of the present invention.
Fig. 3 is a block diagram of a ruggedized payment system in accordance with some embodiments of the invention.
Fig. 4 is a block diagram of a ruggedized payment system in accordance with further embodiments of the present invention.
In the figure: 100. the system comprises an information acquisition module, a 200 transaction record module, a 300 payment confirmation module, a 400 payment judgment module, a 500 cancellation judgment module, a 600 payment prompting module, a 700 automatic deduction module, a 800 deduction judgment module, a 900 excess return module, a 910 and a loss-of-credit record module.
Detailed Description
The present invention is described in terms of particular embodiments, other advantages and features of the invention will become apparent to those skilled in the art from the following disclosure, and it is to be understood that the described embodiments are merely exemplary of the invention and that it is not intended to limit the invention to the particular embodiments disclosed. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
Example 1
As shown in fig. 1, the reinforced payment method in this embodiment includes the following steps: s10, arranging a frame two-dimensional code around the collection two-dimensional code, and acquiring the identity information of the payer when the payer scans the two-dimensional code; step S20, the payer identity information and the payee identity information are associated to generate transaction record information, and the transaction record information is transmitted to the background of the receipt software for storage; step S30, the payer inputs and confirms the payment amount, and the payer checks the identity information and pays; step S40, determining whether the payer finishes payment, if yes, finishing the payment operation, if no, executing step S50; step S50, determining whether the payer cancels the payment operation, if yes, executing step S60, if no, returning to step S30; step S60, recording default information of the payer, and sending a warning to the payee, the payee contacts the payer according to the transaction record information and urges the payer to finish payment, the payer receives the urge payment information sent by the payee and then executes step S30, after the defaulting of the payer is finished, the default information of the payer is eliminated, and the default times are accumulated and recorded, when the default times of the user are more, the system background sets different deposit collecting modules according to the default times, the deposit with more amount is collected for the user with more default conditions, and when the payer maliciously defaults again, the corresponding amount is deducted from the deposit to be punished as a punishment.
In a specific embodiment, the two-dimensional code of the payee is, for example, a payee code of a pay treasure or a WeChat payee code commonly used in life, personal information of a merchant payee, such as name, telephone, address and other information, is recorded in the two-dimensional code of the payee, similarly, an information acquisition module is recorded in a frame two-dimensional code arranged around the two-dimensional code of the payee, when a payer scans the frame two-dimensional code and the frame two-dimensional code is valid, the personal information of the payer is bound with the personal information of the payee to generate a transaction record, when the code is scanned, the frame is limited to protect payment amount, no information prompt exists, but the payment information is stored, when a consumer, that is, the payer pays the amount by mistake or does not pay money maliciously, the payee can check the personal telephone of the code scanning user through the transaction record information recorded by the frame two-dimensional code, informing the user of payment in the coming direction through a telephone or contacting a software background person for claim, wherein the telephone number displayed by the transaction record information is an encrypted telephone number; in step S30, when the payer inputs the amount of money and clicks the confirmation amount, the payer needs to input a fingerprint, a password or face recognition to verify the identity and then complete the payment operation, wherein, the face recognition is added with eyeball payment, the application process is to record the characteristics of the individual eyeballs after applying face brushing payment, compare live things during payment, and verify the identity by recognizing the eyeballs; in step S50, when the payer completes the payment without performing the identity information verification, the software always returns to the interface for inputting the payment amount, for example, when the user cancels the fingerprint verification payment in the WeChat, the interface for inputting the payment amount always returns to the APP interface for the mobile phone WeChat, after the user forcibly restarts the mobile phone or forcibly closes the WeChat background program, the interface for inputting the payment amount is still displayed when the user opens the WeChat interface again, and when the payment is not completed, the user cannot use other functions; if the user cancels the electronic payment mode when paying, after the cash mode payment is completed and the merchant verifies the agreement, the interface for inputting the payment amount in the mobile phone of the user disappears, and the payer can freely use other functions in the WeChat.
The technical effect that this embodiment reaches does: frame two-dimensional code through this embodiment setting, realized taking notes the information of payer, when taking place the malicious payment behavior of escaping of payer, can effectually track, the legitimate interests of trade company has been maintained, when the payer finds that the payment amount surpasses the commodity and deals with the amount of money, can in time find the trade company through transaction record information and negotiate the refund, in two-dimensional code payment transaction process, can maintain the economic benefits of trade company, consumer's economic benefits has also been maintained, the effectual emergence of avoiding the phenomenon of malicious payment of escaping.
Example 2
As shown in fig. 1, the reinforced payment method in this embodiment includes all the technical features of embodiment 1, in addition, the transaction record information includes transaction time, transaction location, transaction commodity content, payer contact information and payee contact information, in addition, the transaction record information further includes merchant information of the payer and personal real name information of the payee, and both parties can obtain an encrypted phone of the other party through a back-end customer service; the method for verifying the identity information of the payer is any one of password verification, fingerprint verification or face brushing verification; the iris information of the eyeballs is checked in the face brushing checking process, and in addition, the blood vessel flow information of the eyeballs can also be included; when the biological characteristics of fingerprint verification and face brushing verification are invalid, returning payment password verification to verify the identity information of the payer.
The beneficial effects in this embodiment are: through the storage of the transaction record information, the traceability of the payment credit loss behavior is improved, the credit loss behavior in the payment transaction process is effectively avoided, and the occurrence of the embezzlement behavior caused by other people impersonating the user through the identity verification after code scanning payment is avoided.
Example 3
As shown in fig. 2, the reinforced payment method in this embodiment includes all the technical features of embodiment 3, and in addition, after step S60, the method further includes: step S70: when the payer refuses to pay after receiving the payment prompting information sent by the payee, the background deducts money from the bound payment account of the payer automatically, for example, the payee reminds the payer of not paying in a telephone or short message mode, and the background refers to a background preset program of a mobile phone APP or a manual customer service staff, when the balance in the payment account bound by the payer is sufficient, the amount of money which the payer should pay to the payee is deducted in an automatic deduction mode, when the balance of the account of the payer is insufficient, the customer service staff informs the payer of recharging by telephone, and the payer who refuses recharging can be subjected to tracing in a legal way; step S80, whether the automatic deduction is successful or not is judged, if yes, step S90 is executed, and if not, step S91 is executed; step S90, when the automatic deduction of the payer account is successful, if the automatic deduction amount exceeds the payable amount, the payer contacts the payee to return the redundant payment amount, the payer contacts the payee through the contact way in the transaction record information, if the payee insists on not returning, the payer can contact the software background service personnel to perform assistance processing, records the loss of credit behavior of the payee, and deducts the merchant credit score of the payee, wherein the merchant credit score is increased along with the increase of the merchant credit; and step S91, when the automatic deduction of the account of the payer fails, recording the credit losing behavior of the payer, and deducting the personal credit score of the payer, wherein the personal credit score increases along with the increase of the personal credit, for example, the sesame score of the sesame credit of the payer.
The beneficial effects in this embodiment are: through the steps of the embodiment, the transaction dispute between the payer and the payee is avoided, the fairness of the economic life transaction is improved, the economic loss generated by the payee and the payer is avoided, and the guarantee is provided for the daily life fund exchange of people.
Example 4
As shown in fig. 3, a ruggedized payment system in this embodiment includes: the information acquisition module 100 is used for setting a frame two-dimensional code around the collection two-dimensional code and acquiring the identity information of the payer when the payer scans the two-dimensional code; the transaction recording module 200 is used for associating the payer identity information with the payee identity information to generate transaction recording information, and transmitting the transaction recording information to the background of the receipt software for storage; a payment confirmation module 300 for inputting and confirming the payment amount by the payer, and performing payment after verifying the identity information of the payer; a payment judging module 400 for judging whether the payer finishes payment, if yes, ending the payment operation, if no, executing a cancellation judging module 500; a cancellation judging module 500, configured to judge whether the payer cancels the payment operation, if the judgment result is yes, execute the urging payment module 600, and if the judgment result is no, return to the payment confirmation module 300; and the payment prompting module 600 is configured to record default information of the payer, send an alarm to the payee, contact the payer according to the transaction record information and prompt the payer to complete payment, and execute the payment confirmation module 300 after the payer receives the payment prompting information sent by the payee.
The beneficial effects in this embodiment are: through the information acquisition module 100 and the transaction record module 200 that this embodiment set up, realized taking notes the information of payer, when taking place the malicious act of evading payment of payer, can track through the corresponding function in the software is effectual, the legitimate interests of trade company has been maintained, when the payer finds that the payment amount surpasses the amount that the commodity can be dealt with, can in time find the trade company through the transaction record information and negotiate the refund, in two-dimensional code payment transaction process, can maintain the economic interests of trade company, consumer's economic interests has also been maintained, the effectual emergence of the phenomenon of avoiding the malicious act of evading payment.
Example 5
As shown in fig. 3, the consolidated payment system in this embodiment includes all the technical features of embodiment 4, in addition, the transaction record information includes the transaction time, the transaction location, the transaction commodity content, the payer contact information and the payee contact information; the method for verifying the identity information of the payer is any one of password verification, fingerprint verification or face brushing verification; and checking eyeball iris information in the face brushing checking process.
The beneficial effects in this embodiment are: through the storage of the transaction record information, the traceability of the payment credit loss behavior is improved, the credit loss behavior in the payment transaction process is effectively avoided, and the occurrence of the embezzlement behavior caused by other people impersonating the user through the identity verification after code scanning payment is avoided.
Example 6
As shown in fig. 4, the ruggedized payment system in this embodiment includes all the technical features of embodiment 5, and in addition, further includes: the automatic deduction module 700 is configured to automatically deduct money from a bound payment account of the payer by the background when the payer refuses to pay the payment after receiving the payment promoting information sent by the payee; a deduction judging module 800, configured to judge whether automatic deduction is successful, if the judgment result is yes, execute the excess withdrawal module 900, and if the judgment result is no, execute the lost credit recording module 910; an excess withdrawal module 900, configured to, when the automatic deduction of the payer account is successful, if the automatic deduction amount exceeds the payable amount, contact the payee by the payer to withdraw the excess payment amount; and executing a credit loss recording module 910, which is used for recording the credit loss behavior of the payer and deducting the personal credit point of the payer when the automatic deduction of the account of the payer fails.
The beneficial effects in this embodiment are: the automatic deduction module 700 of the embodiment protects the interests of the merchant from being damaged, and the excess return module 900 ensures that the fund rights and interests of the payer, namely the consumer, are not damaged, avoids transaction disputes between the payer and the payee, improves the fairness of economic life transactions, avoids economic losses generated by the payee and the payer, and provides guarantee for daily life fund transactions of people.
The reinforced payment system in embodiments 4 to 6 is implemented by a mobile terminal or a computer, and each module in the embodiments is implemented by an APP of the mobile terminal or software in the computer.
Although the invention has been described in detail above with reference to a general description and specific examples, it will be apparent to one skilled in the art that modifications or improvements may be made thereto based on the invention. Accordingly, such modifications and improvements are intended to be within the scope of the invention as claimed.
In the present specification, the terms "upper", "lower", "left", "right", "middle", and the like are used for clarity of description, and are not intended to limit the scope of the present invention, and changes or modifications in the relative relationship may be made without substantial changes in the technical content.

Claims (10)

1. A method of consolidated payment, comprising the steps of:
s10, arranging a frame two-dimensional code around the collection two-dimensional code, and acquiring the identity information of the payer when the payer scans the two-dimensional code;
step S20, the payer identity information and the payee identity information are associated to generate transaction record information, and the transaction record information is transmitted to the background of the receipt software for storage;
step S30, the payer inputs and confirms the payment amount, and the payer checks the identity information and pays;
step S40, determining whether the payer finishes payment, if yes, finishing the payment operation, if no, executing step S50;
step S50, determining whether the payer cancels the payment operation, if yes, executing step S60, if no, returning to step S30;
and step S60, recording the default information of the payer, sending a warning to the payee, contacting the payer according to the transaction record information by the payee, prompting the payer to finish payment, and executing step S30 after the payer receives the prompting payment information sent by the payee.
2. The consolidated payment method of claim 1, wherein the transaction record information includes transaction time, transaction location, transaction merchandise content, payer contact, and payee contact.
3. The payment method as claimed in claim 2, wherein the payer identification information is checked by any one of a payment password check, a fingerprint check and a face-brushing check.
4. The method of claim 3, wherein the iris information is verified during a face-brushing verification.
5. The reinforced payment method of claim 4, further comprising, after step S60:
step S70: when the payer refuses to pay after receiving the payment prompting information sent by the payee, the background automatically deducts money from the bound payment account of the payer;
step S80, whether the automatic deduction is successful or not is judged, if yes, step S90 is executed, and if not, step S91 is executed;
step S90, when the automatic deduction of the account of the payer is successful, if the automatic deduction amount exceeds the payable amount, the payer contacts the payee to return the surplus payment amount;
and step S91, when the automatic deduction of the account of the payer fails, recording the credit losing behavior of the payer, and deducting the personal credit point of the payer.
6. A hardened payment system comprising:
the information acquisition module (100) is used for setting a frame two-dimensional code around the collection two-dimensional code and acquiring the identity information of the payer when the payer scans the two-dimensional code;
the transaction recording module (200) is used for associating the payer identity information with the payee identity information to generate transaction recording information and transmitting the transaction recording information to the background of the payee software for storage;
the payment confirmation module (300) is used for inputting and confirming the payment amount by the payer, and performing payment after verifying the identity information of the payer;
a payment judging module (400) for judging whether the payer finishes payment, if yes, finishing the payment operation, if no, executing a cancellation judging module (500);
a cancellation judging module (500) for judging whether the payer cancels the payment operation, if yes, executing a payment urging module (600), if no, returning to the payment confirmation module (300);
and the payment prompting module (600) is used for recording default information of the payer and sending a warning to the payee, the payee contacts the payer according to the transaction record information and prompts the payer to finish payment, and the payer executes the payment confirming module (300) after receiving the payment prompting information sent by the payee.
7. The consolidated payment system of claim 6, wherein the transaction record information includes transaction time, transaction location, transaction merchandise content, payer contact, and payee contact.
8. The consolidated payment system of claim 7, wherein the payer identification information is verified by any one of a payment password verification, a fingerprint verification or a face-brushing verification.
9. The ruggedized payment system of claim 8, wherein the eyeball iris information is verified during a face brushing verification.
10. The ruggedized payment system of claim 9, further comprising:
the automatic deduction module (700) is used for automatically deducting money from the bound payment account of the payer by the background when the payer refuses to pay after receiving the payment prompting information sent by the payee;
the deduction judging module (800) is used for judging whether the automatic deduction is successful or not, if so, the excess returning module (900) is executed, and if not, the lost credit recording module (910) is executed;
the excess returning module (900) is used for contacting the payee to return the excess payment amount if the automatic deduction amount exceeds the payable amount when the automatic deduction of the account of the payer is successful;
and the credit loss recording module (910) is used for recording the credit loss behavior of the payer and deducting the personal credit of the payer when the automatic deduction of the payer account fails.
CN201911067675.7A 2019-11-04 2019-11-04 Reinforced payment method and system Pending CN110956460A (en)

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