CN112396414A - Payment system and method with multiple financial accounts fused - Google Patents

Payment system and method with multiple financial accounts fused Download PDF

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CN112396414A
CN112396414A CN202011286086.0A CN202011286086A CN112396414A CN 112396414 A CN112396414 A CN 112396414A CN 202011286086 A CN202011286086 A CN 202011286086A CN 112396414 A CN112396414 A CN 112396414A
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温化棋
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    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • 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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • 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

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Abstract

The invention provides a payment method for fusing multiple financial accounts, which belongs to the technical field of financial payment and comprises the steps of integrating financial accounts authorized by a plurality of financial institutions into a payment platform, wherein the payment platform uses a set of universal passwords to manage the payment of the financial accounts; setting up a payment sequence of each financial account, and pre-distributing the amount to be paid to each financial account in proportion; a payment platform on a payment terminal receives a payment request provided by a payee, wherein the payment request comprises payment amount; substituting the payment amount into the amount to be paid to complete the distribution of the payment amount; and completing the payment action on the payment platform. According to the payment method with the multiple financial accounts fused, the multiple financial accounts are used for paying the same bill, and the payment efficiency is improved. The invention also provides a payment system with the integration of multiple financial accounts.

Description

Payment system and method with multiple financial accounts fused
Technical Field
The invention belongs to the technical field of financial payment, and particularly relates to a payment system and method with multiple financial accounts fused.
Background
With the continuous development, innovation and development of financial science and technology and internet finance, mobile payment has become a popular payment mode, and the use of the mobile payment function requires that a consumer firstly transacts a financial account in a bank to authorize a payment terminal and then adds a financial account number to the payment terminal. The current mobile payment mode is mainly as follows: the merchant sends out payment request, the agent bank requests the card issuing bank of the consumer for payment, after the card issuing bank obtains the approval and non-repudiation of the card holder, the card holder's signature and encrypted data are sent to the card issuing bank by using the encryption payment function in the mobile phone, the card issuing bank reversely decodes the signature and encrypted data, and after the check is correct, the payment can be transferred to the financial account number of the merchant, thereby completing the payment.
The existing payment system uses a single financial account for payment, and is inconvenient because the financial account can only be closed and replaced to other financial accounts for payment when insufficient balance exists in the payment process.
Disclosure of Invention
The invention aims to provide a payment system and a payment method with multiple financial accounts fused, and aims to solve the technical problem that when a single financial account is used for payment in the conventional payment system and balance is insufficient in the payment process, the financial account can only be closed and replaced to other financial accounts for payment, and inconvenience is caused.
In order to achieve the purpose, the invention adopts the technical scheme that: a payment method for multi-financial account convergence is provided, which comprises the following steps:
the method comprises the steps that a plurality of financial accounts authorized by financial institutions are collected into a payment platform, wherein a set of universal passwords is used in the payment platform to manage payment of the financial accounts; setting up a payment sequence of each financial account, and pre-distributing the amount to be paid to each financial account in proportion; a payment platform on a payment terminal receives a payment request provided by a payee, wherein the payment request comprises payment amount; substituting the payment amount into the amount to be paid to complete the distribution of the payment amount; and completing the payment action on the payment platform.
Specifically, the financial account numbers are collected on a payment platform and obtained in the following mode: adding a plurality of financial accounts to a payment platform; and each financial account is in communication connection with a corresponding financial institution through a payment interface.
Specifically, a privacy-free payment agreement is signed between the financial account number and the financial institution.
Specifically, the step of formulating the payment sequence of each financial account and the step of pre-allocating the payment amount to be paid to each financial account in proportion comprises the following steps: setting a payment sequence according to a payment habit; limiting the expenditure limit of each financial account in one payment process; setting the payment proportion of each financial account; distributing the amount to be paid to each financial account according to a payment proportion; and comparing the amount of the financial account to be paid with the expenditure limit of the financial account, and finishing the payment action if the amount of the financial account to be paid is not more than the expenditure limit.
As another embodiment of the present application, if the payment amount is larger than the expense amount, the expense amount of the corresponding financial account is paid, and a secondary payment process is performed, where the secondary payment process includes: shielding the financial account with the corresponding expenditure quota larger than the expenditure quota; calculating the sum of the corresponding expenditure limit minus the expenditure limit of each shielded financial account to obtain an excess value; finding out the unused quota of each remaining financial account according to the payment sequence, wherein the unused quota is the expense quota-the expense quota to be paid; and then sequentially using the unused amount of each remaining financial account according to the payment sequence until the value of the unused amount is equal to the value of the excess amount.
The invention also provides a payment system with multiple financial accounts fused, which is characterized by comprising the following steps:
a payment terminal; and
the payment platform is arranged in the payment terminal and is in communication connection with a server of a financial institution; the payment platform comprises a bill acquisition unit for acquiring a bill, an account management unit for managing a financial account, and an amount distribution unit for distributing a bill amount to the financial account; when payment is carried out, a plurality of financial accounts are selected from the payment platform, and the same bill is paid according to the distribution limit of each financial account
As another embodiment of the present application, the obtaining manner of the bill obtaining unit includes two-dimensional code recognition or account number input.
As another embodiment of the present application, the account management unit includes:
the account number acquisition module is used for managing financial account numbers;
the safety data module is used for ensuring the safety of the payment process;
and the communication module is used for the communication connection between the financial account and the financial institution.
As another embodiment of the present application, the quota allocation unit comprises:
the sequence module is used for managing the payment sequence of each financial account;
the proportion distribution module is used for managing the payment limit of each financial account; and
and the secondary payment module is used for managing the process of paying the excess value.
As another embodiment of the present application, the payment terminal includes one or more of a mobile phone, a tablet, and a notebook computer.
The payment system and method with multiple financial accounts integrated provided by the invention have the beneficial effects that: compared with the prior art, the payment system with the multiple financial accounts fused, disclosed by the invention, has the advantages that the amount distribution unit can divide the payment amount into the plurality of portions, and then the plurality of financial accounts respectively complete payment, so that a plurality of financial accounts jointly pay a bill, the payment efficiency is improved, and the inconvenience of single account payment is solved; the payment amount of each financial account is calculated and reasonably distributed, so that the payment process is more consistent with the payment habit of the consumer. The bills are shared by the financial accounts at the same time, so that the payment pressure of the single financial account is reduced. The invention relates to a payment method with multiple financial accounts fused, which uses a plurality of financial accounts to pay the same bill, thereby improving the payment efficiency. The payment process of each financial account is an independent payment process and is not influenced by other financial accounts. The financial accounts pay in proportion, the problem that balance is insufficient easily in the payment process of one financial account is solved, and inconvenience of payment of the current single financial account is solved. The method also has the characteristics of simple steps and less processing data.
Drawings
In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings needed for the embodiments or the prior art descriptions will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art to obtain other drawings without creative efforts.
Fig. 1 is a first flowchart of a payment method for multi-financial-account convergence according to an embodiment of the present invention;
fig. 2 is a block diagram of a flow chart of a payment method for multi-financial-account convergence according to an embodiment of the present invention;
fig. 3 is a block diagram illustrating a flow chart of a payment method for multiple financial accounts convergence according to an embodiment of the present invention;
fig. 4 is a block diagram illustrating a fourth flowchart of a payment method for multi-financial-account convergence according to an embodiment of the present invention;
fig. 5 is a block diagram illustrating a multi-financial-account converged payment system according to an embodiment of the present invention.
In the figure: 1. a payment terminal; 2. a payment platform; 21. a bill acquiring unit; 22. an account management unit; 221. an account number acquisition module; 222. a security data module; 223. a communication module; 23. a quota allocation unit; 231. a sequence module; 232. a proportion distribution module; 233. and a secondary payment module.
Detailed Description
In order to make the technical problems, technical solutions and advantageous effects to be solved by the present invention more clearly apparent, the present invention is further described in detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.
Referring to fig. 1 to 4, a payment method for a multi-financial-account convergence provided by the present invention will be described. The payment method for fusing multiple financial accounts comprises the following steps:
and S1, collecting the financial accounts authorized by a plurality of financial institutions into one payment platform 2, wherein the payment platform 2 manages the payment of the financial accounts by using a set of universal passwords.
The financial account number comprises a bank card number and a password, and a third party account number and a password, such as a Paibao account number, a WeChat account number and the like.
The payment platform 2 includes APP (Application), a web client, and the like.
The specific implementation of the step can be as follows:
s1.1, adding a plurality of financial accounts to a payment platform 2;
registering an account number of a payment platform 2, and setting a set of universal passwords for managing payment of all financial account numbers;
and then logging in the payment platform 2, and adding a financial account in an account saving interface of the payment platform 2, wherein the account saving interface comprises the necessary information such as an account opening mechanism, an account, a password and the like.
S1.2, each financial account is in communication connection with a corresponding financial institution through a payment interface;
all payment modes generated through financial accounts are aggregated through a uniform payment interface, and the use and the expansion are convenient. The payment interface comprises platform interfaces (adopting a C/S mode) and payment data synchronous interfaces (adopting a B/S mode) of various payment modes, and specifically comprises the following steps: the payment system comprises an Init initialization interface, an SP payment interface, a Unionpay payment interface, a Payment interface, a financial and payment communication payment interface and a rechargeable card payment interface. All interface protocols are based on an HTTP protocol, application ID data are added in an HTTP custom header, Post data are encrypted by a private Key, a server searches for the private Key and decrypts through the application ID, and data returned by the server are encrypted by the Key, so that the safety of a payment process is guaranteed.
In this step, a privacy-free payment agreement is signed between the financial account number and the financial institution. Account number input in the payment process is reduced, and payment efficiency is improved. After the bill is generated, the user can input the universal password only once, so that the financial account and the financial institution complete the exchange of payment data, and then complete the payment action.
S2, setting the payment sequence of each financial account, and pre-distributing the payment amount to be paid to each financial account in proportion;
the specific implementation of the step can be as follows:
s2.1, setting a payment sequence according to a payment habit;
and setting the priority of each financial account according to personal preference or balance in the financial accounts, and setting the deduction sequence of each financial account.
Illustratively, the deduction sequence is: payment treasure-WeChat-construction bank-transportation bank.
S2.2, limiting the expenditure limit of each financial account in the primary payment process;
the financial accounts have different use frequencies in daily life and different use scenes, and the highest expenditure limit of each financial account is set, so that the problem that the reasonable use of assets is influenced due to excessive consumption of some financial accounts at one time can be avoided.
Illustratively, the one-time payment maximum amount of the pay bank is 400, the WeChat is 600, the construction bank is 4000 and the transportation bank is 3000.
S2.3, setting the payment proportion of each financial account;
exemplary, pay for treasure: WeChat: building a bank: and (4) traffic banking: the payment ratio was 4:3:2: 1.
S2.4, distributing the amount to be paid to each financial account according to a payment proportion;
illustratively, the amount of money to be paid in the transaction is X, and the amounts to be paid by the payment bank, the wechat bank, the construction bank and the transportation bank are respectively as follows:
Figure BDA0002782448430000061
s2.5, comparing the amount of money to be paid of each financial account with the expenditure limit of each financial account, and finishing the payment action if the amount of money to be paid is not more than the expenditure limit.
The amount of money to be paid by each financial account is determined by the following formula:
the expenditure amount is the proportion coefficient of each account multiplied by the amount to be paid in the transaction.
For example, if the amount paid in the transaction is Y, the amount paid out by each financial account is:
Figure BDA0002782448430000062
if it is
Figure BDA0002782448430000063
Figure BDA0002782448430000064
If the payment amount is less than 400, 600, 4000 and 3000, the financial accounts transmit the payment amount to the servers of the financial institutions respectively to complete the deduction and transmit the deduction information to the financial accounts.
The method also comprises the following steps:
s2.6, if the required expenditure limit is larger than the expenditure limit, paying out the expenditure limit of the corresponding financial account, and entering a secondary payment process;
illustratively, if
Figure BDA0002782448430000065
If the value is more than 400, the Paibao account number pays 400, and the WeChat, construction bank and transportation bank pay respectively
Figure BDA0002782448430000066
And then enter a secondary payment process.
The specific implementation of the step can be as follows:
s2.6.1, shielding the financial account with the expense amount larger than the expense amount;
in an exemplary manner, the first and second electrodes are,
Figure BDA0002782448430000071
is greater than 400.
S2.6.2, calculating the sum of the expense amount subtracted from the expense amount of each shielded financial account to obtain the excess value;
exemplary, Oversize settingsIs a group of Z and is a group of Z,
Figure BDA0002782448430000072
s2.6.3, finding out the unused quota of each remaining financial account according to the payment sequence, wherein the unused quota is the expense quota-the expense quota to be paid;
exemplary, WeChat unused credits:
Figure BDA0002782448430000073
building unused quota of bank:
Figure BDA0002782448430000074
unused quota of transportation bank:
Figure BDA0002782448430000075
s2.6.4, sequentially using the unused amount of each remaining financial account in the payment order until the value of the unused amount is equal to the value of the excess amount.
Illustratively, if Z < M1And paying the excess value by using the WeChat, wherein the total payment value of the Paibao is as follows: 400, respectively; the WeChat total payment value is:
Figure BDA0002782448430000076
the total payment value of the construction bank is as follows:
Figure BDA0002782448430000077
the total payment value of the transportation bank is as follows:
Figure BDA0002782448430000078
if M is1＜Z＜M1+M2The total payment value of the payer is as follows: 400, respectively; the WeChat total payment value is: 600, preparing a mixture; the total payment value of the construction bank is as follows:
Figure BDA0002782448430000079
the total payment value of the transportation bank is as follows:
Figure BDA00027824484300000710
if M is1+M2＜Z＜M1+M2+M3The total payment value of the payer is as follows: 400, respectively; the WeChat total payment value is: 600, preparing a mixture; the total payment value of the construction bank is as follows: 4000; the total payment value of the transportation bank is as follows:
Figure BDA00027824484300000711
Figure BDA00027824484300000712
s3, the payment platform 2 on the payment terminal 1 receives a payment request provided by a payee, wherein the payment request comprises payment amount;
the specific implementation of the step can be as follows:
the first method is as follows: the payment platform 2 is opened, and the amount of money required to be paid by the payee is input on a payment interface of the payment platform 2.
The second method comprises the following steps: and opening the payment platform 2, scanning a collection two-dimensional code provided by a collector by means of a camera assembly on the payment terminal 1, and then inputting the amount of money required to be paid by the collector.
The third method comprises the following steps: and opening the payment platform 2, and opening the payment two-dimensional code generated on the payment platform 2 for scanning by the payee.
The payment request also comprises information such as payment time, transaction mode, transaction platform, transaction serial number and the like.
And S4, substituting the payment amount into the amount to be paid to complete the distribution of the payment amount and complete the payment action on the payment platform 2.
The specific implementation of the step can be as follows:
substituting the specific value of the payment amount for Y;
executing the step in S2;
generates payment details and then enters a password to confirm payment.
The invention provides aGold (Au)Compared with the prior art, the payment method for integrating accounts,the payment method uses the plurality of financial accounts to pay the same bill, and improves the payment efficiency. The payment process of each financial account is an independent payment process and is not influenced by other financial accounts. The financial accounts pay in proportion, the problem that balance is insufficient easily in the payment process of one financial account is solved, and inconvenience of payment of the current single financial account is solved. The method also has the characteristics of simple steps and less processing data.
The invention also provides a payment system with multiple financial accounts fused, which is characterized by comprising a payment terminal 1 and a payment platform 2, wherein the payment platform 2 is arranged in the payment terminal 1 and is in communication connection with a server of a financial institution; the payment platform 2 comprises a bill acquisition unit 21 for acquiring a bill, an account management unit 22 for managing a financial account, and an amount distribution unit 23 for distributing a bill amount to the financial account; when payment is carried out, a plurality of financial accounts are selected from the payment platform 2, and the same bill is paid according to the allocated amount of each financial account.
The bill acquiring unit 21 receives a payment request of a payee, and then sends the payment amount in the payment request to the amount dividing unit 23, and the amount dividing unit 23 proportionally allocates the payment amount to a plurality of financial accounts, and then completes a transaction for the payment request through the account management unit 22.
The invention provides aGold (Au)Compared with the prior art, the account fusion payment system has the advantages that the amount distribution unit 23 can divide the payment amount into a plurality of portions, and then the plurality of financial accounts respectively complete payment, so that a plurality of financial accounts can jointly pay a bill, the payment efficiency is improved, and the inconvenience of single account payment is solved; the payment amount of each financial account is calculated and reasonably distributed, so that the payment process is more consistent with the payment habit of the consumer. The bills are shared by the financial accounts at the same time, so that the payment pressure of the single financial account is reduced.
In this embodiment, the obtaining manner of the bill obtaining unit 21 includes two-dimensional code identification or account number input. The bill acquiring unit 21 is provided with a corresponding two-dimensional code module or/and a bill input module.
In this embodiment, the payment terminal 1 includes one or more of a mobile phone, a tablet, and a notebook computer.
As a specific implementation manner of the embodiment of the present invention, please refer to fig. 1 to 5, the account management unit 22 includes an account acquisition module 221, a security data module 222, and a communication module 223, wherein the account acquisition module 221 is configured to manage a financial account; the security data module 222 is used to secure the payment process; the communication module 223 is used for communication connection between the financial account and the financial institution.
A plurality of financial accounts are integrated in the account acquisition module 221, and a payment password management component and a transaction process safety monitoring component are arranged in the safety data module 222; in this embodiment, each financial account is in communication connection with each financial institution, and the payment process of each financial account is as follows: after the financial accounts are divided into the amount of money to be paid, the payment information is transmitted to the financial institutions, and the payment process of the financial accounts is not interfered by other financial accounts.
As a specific implementation manner of the embodiment of the present invention, please refer to fig. 1 to 5, wherein the quota allocation unit 23 includes a sequence module 231, a proportion allocation module 232, and a secondary payment module 233, and the sequence module 231 is configured to manage a payment sequence of each financial account; the proportion distribution module 232 is used for managing the payment amount of each financial account; the secondary payment module 233 serves to manage a process of paying the excess value.
The consumer will adjust the payment sequence of each financial account in the sequence module 231, then adjust the payment proportion of each financial account in the proportion distribution module 232, and set the amount of each financial account in the primary payment process, when the payment amount allocated to some financial accounts is larger than the set amount of the financial accounts in the primary payment process, the secondary payment module 233 starts, and the secondary payment module 233 allocates the excess value until the allocation is completed, and then performs the payment.
The above description is only for the purpose of illustrating the preferred embodiments of the present invention and is not to be construed as limiting the invention, and any modifications, equivalents and improvements made within the spirit and principle of the present invention are intended to be included within the scope of the present invention.

Claims (10)

1. A payment method for multi-financial-account convergence is characterized by comprising the following steps: the method comprises the steps that a plurality of financial accounts authorized by financial institutions are collected into a payment platform, wherein a set of universal passwords is used in the payment platform to manage payment of the financial accounts; setting up a payment sequence of each financial account, and pre-distributing the amount to be paid to each financial account in proportion; a payment platform on a payment terminal receives a payment request provided by a payee, wherein the payment request comprises payment amount; substituting the payment amount into the amount to be paid to complete the distribution of the payment amount; and completing the payment action on the payment platform.
2. The method as claimed in claim 1, wherein the method for converging financial accounts on a payment platform is obtained by the following steps: adding a plurality of financial accounts to a payment platform; and each financial account is in communication connection with a corresponding financial institution through a payment interface.
3. A multi-financial-account converged payment method according to claim 2, wherein: and signing a secret-free payment protocol between the financial account and the financial institution.
4. The payment method of claim 1, wherein the step of formulating a payment sequence for each financial account and the step of pre-allocating the payment amount to be paid to each financial account in proportion comprises: setting a payment sequence according to a payment habit; limiting the expenditure limit of each financial account in one payment process; setting the payment proportion of each financial account; distributing the amount to be paid to each financial account according to a payment proportion; and comparing the amount of the financial account to be paid with the expenditure limit of the financial account, and finishing the payment action if the amount of the financial account to be paid is not more than the expenditure limit.
5. The payment method of claim 4, wherein if the corresponding payment amount is greater than the payment amount, paying out the payment amount of the corresponding financial account and entering a secondary payment process, wherein the secondary payment process comprises: shielding the financial account with the corresponding expenditure quota larger than the expenditure quota; calculating the sum of the corresponding expenditure limit minus the expenditure limit of each shielded financial account to obtain an excess value; finding out the unused quota of each remaining financial account according to the payment sequence, wherein the unused quota is the expense quota-the expense quota to be paid; and then sequentially using the unused amount of each remaining financial account according to the payment sequence until the value of the unused amount is equal to the value of the excess amount.
6. A multi-financial-account converged payment system, comprising:
a payment terminal (1); and
the payment platform (2) is installed in the payment terminal (1) and is in communication connection with a server of a financial institution; the payment platform (2) comprises a bill acquisition unit (21) for acquiring a bill, an account management unit (22) for managing a financial account, and an amount distribution unit (23) for distributing a bill amount to the financial account; when payment is carried out, a plurality of financial accounts are selected from the payment platform (2), and the same bill is paid according to the allocated amount of each financial account.
7. The multi-financial-account converged payment system of claim 6, wherein: the obtaining mode of the bill obtaining unit (21) comprises two-dimension code identification or collection account number input.
8. The multi-financial-account converged payment system of claim 7, wherein: the account management unit (22) includes:
the account number acquisition module (221) is used for managing financial account numbers;
a security data module (222) for securing the payment process;
and the communication module (223) is used for the communication connection between the financial account and the financial institution.
9. A multi-financial-account converged payment system according to claim 8, wherein: the credit allocation unit (23) comprises:
a sequence module (231) for managing a payment sequence of each financial account;
the proportion distribution module (232) is used for managing the payment amount of each financial account; and
a secondary payment module (233) for managing a process of paying the excess value.
10. A multi-financial-account converged payment system according to any one of claims 6 to 9, wherein: the payment terminal (1) comprises one or more of a mobile phone, a tablet and a notebook computer.
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