CN113496397A - All-round portable payment system - Google Patents
All-round portable payment system Download PDFInfo
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- CN113496397A CN113496397A CN202010258044.XA CN202010258044A CN113496397A CN 113496397 A CN113496397 A CN 113496397A CN 202010258044 A CN202010258044 A CN 202010258044A CN 113496397 A CN113496397 A CN 113496397A
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- payment
- management server
- transaction
- barrier
- module
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- 238000012546 transfer Methods 0.000 claims abstract description 15
- 239000000969 carrier Substances 0.000 claims abstract description 11
- 238000004891 communication Methods 0.000 claims description 6
- 238000012986 modification Methods 0.000 description 3
- 230000004048 modification Effects 0.000 description 3
- 238000013461 design Methods 0.000 description 2
- 238000005516 engineering process Methods 0.000 description 2
- 230000009286 beneficial effect Effects 0.000 description 1
- 230000007547 defect Effects 0.000 description 1
- 238000011161 development Methods 0.000 description 1
- 238000010586 diagram Methods 0.000 description 1
- 238000000034 method Methods 0.000 description 1
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
-
- 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
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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
- G06Q20/389—Keeping log of transactions for guaranteeing non-repudiation of a 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
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
Abstract
The invention discloses an all-round portable payment system, which comprises a barrier-free multi-card transfer management server, a central transaction settlement server, a two-dimensional code management server, a key matching management server and payment equipment, wherein the barrier-free multi-card transfer management server is connected with the central transaction settlement server through a network; according to the invention, by integrating multiple payment carriers, the purpose that different payment carriers can carry out consumption transaction on any consumption platform can be realized; the GPRS flow storage module can prestore part of GPRS flow, and under the condition of no network signal, payment equipment can call the GPRS flow to achieve the purpose of no-signal transaction.
Description
Technical Field
The invention relates to the technical field of financial payment, in particular to a universal portable payment system.
Background
With the development of modern science and technology, transaction modes are continuously renewed, transaction payment modes are also developed like spring shoots after rain, and consumers need to continuously add new payment carriers to adapt to various consumption requirements. However, a plurality of payment carriers are relatively independent, and cannot be compatible and supported with consumption records of users, account security and consumption requirements of special consumption groups.
In addition, there is currently no technology that can implement payment transactions without signals. In view of this, it is desirable to design a payment device compatible with multiple payment functions so as to overcome the inconvenience of the existing payment process.
Disclosure of Invention
Aiming at the technical defects, the invention aims to provide a universal portable payment system, and aims to solve the problems that different payment carriers cannot pay in the same shopping platform and transfer payment cannot be carried out under the condition of no network.
In order to solve the technical problems, the invention adopts the following technical scheme:
the invention provides an all-round portable payment system, which comprises a barrier-free multi-card transfer management server, a central transaction settlement server, a two-dimensional code management server, a key matching management server and payment equipment, wherein the barrier-free multi-card transfer management server is connected with the central transaction settlement server through a network;
the barrier-free multi-card transfer management server is in communication connection with the central transaction settlement server and is used for mutually transferring the amount of money in payment carriers except the medical insurance card;
the two-dimension code management server is in communication connection with the barrier-free multi-card transfer management server and is used for generating a two-dimension code for receiving and paying money during each transaction;
the key pairing management server is used for providing pairing character strings among a plurality of payment devices to establish connection;
the payment equipment is internally provided with:
the two-dimensional code reading module is used for scanning and identifying the two-dimensional code for receiving and paying;
the GPRS flow storage module is used for prestoring part of GPRS flow into the payment equipment;
the balance reminding module is used for identifying and displaying the balance in each payment carrier;
the transaction information management module is used for recording each payment record which occurs;
and the consumption control module is used for setting the upper limit of the consumption amount, and reminding the customer to confirm whether to continue the transaction again when the actual consumption amount exceeds the upper limit of the consumption amount.
Preferably, the system further comprises a non-network transaction system, which is used for the payment device to perform transaction with another payment device in a key pairing mode under the non-network condition.
The invention has the beneficial effects that: the design integrates various payment carriers, so that the purpose that different payment carriers can carry out consumption transaction on any consumption platform can be realized; the GPRS flow storage module can prestore part of GPRS flow, and under the condition of no network signal, payment equipment can call the GPRS flow to achieve the purpose of no-signal transaction.
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 is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.
Fig. 1 is a schematic structural diagram of a universal portable payment system according to an embodiment of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. 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.
As shown in fig. 1, a universal portable payment system includes a barrier-free multi-card transfer management server, a central transaction settlement server, a two-dimensional code management server, a key pairing management server, and a payment device;
the barrier-free multi-card transfer management server is in communication connection with the central transaction settlement server and is used for mutually transferring the amount of money in payment carriers except the medical insurance card;
the two-dimension code management server is in communication connection with the barrier-free multi-card transfer management server and is used for generating a two-dimension code for receiving and paying money during each transaction;
the key pairing management server is used for providing pairing character strings among the plurality of payment devices to establish connection;
payment equipment, built-in have:
the two-dimensional code reading module is used for scanning and identifying the two-dimensional code for receiving and paying;
the GPRS flow storage module is used for prestoring part of GPRS flow into the payment equipment;
the balance reminding module is used for identifying and displaying the balance in each payment carrier;
the transaction information management module is used for recording each payment record which occurs;
and the consumption control module is used for setting the upper limit of the consumption amount, and reminding the customer to confirm whether to continue the transaction again when the actual consumption amount exceeds the upper limit of the consumption amount.
When the system is used, the bank card needs to be bound firstly, and for example, a user transfers the balance in the WeChat account to the payment treasure, related operations can be directly carried out, the operation can be completed by inputting the amount of money and inputting the password, after the system is operated by the instruction of the user, the balance of the WeChat account is automatically transferred to the bound bank card, and the bank card is transferred to the payment treasure of the bound bank card of the user again.
The system also comprises a non-network transaction system, which is used for the payment device to perform transaction with another payment device in a key pairing mode under the condition of no network, the user transfers the amount of money into the system from other payment carriers, the system identifies the amount of money and stores the amount of money data, when the user performs transaction with another party in the key pairing mode under the condition of no network signal, if the user receives the money, the system identifies the amount of money to be collected and adds the amount of money to the originally stored amount of money data, if the user pays to the other party and inputs the payment amount and the password, the system subtracts the amount of money according with the original stored amount of money data, if the amount of money is insufficient, the transaction is stopped, and the system sends a prompt.
It will be apparent to those skilled in the art that various changes and modifications may be made in the present invention without departing from the spirit and scope of the invention. Thus, if such modifications and variations of the present invention fall within the scope of the claims of the present invention and their equivalents, the present invention is also intended to include such modifications and variations.
Claims (2)
1. An all-round portable payment system is characterized by comprising a barrier-free multi-card transfer management server, a central transaction settlement server, a two-dimensional code management server, a key matching management server and payment equipment;
the barrier-free multi-card transfer management server is in communication connection with the central transaction settlement server and is used for mutually transferring the amount of money in payment carriers except the medical insurance card;
the two-dimension code management server is in communication connection with the barrier-free multi-card transfer management server and is used for generating a two-dimension code for receiving and paying money during each transaction;
the key pairing management server is used for providing pairing character strings among a plurality of payment devices to establish connection;
the payment equipment is internally provided with:
the two-dimensional code reading module is used for scanning and identifying the two-dimensional code for receiving and paying;
the GPRS flow storage module is used for prestoring part of GPRS flow into the payment equipment;
the balance reminding module is used for identifying and displaying the balance in each payment carrier;
the transaction information management module is used for recording each payment record which occurs;
and the consumption control module is used for setting the upper limit of the consumption amount, and reminding the customer to confirm whether to continue the transaction again when the actual consumption amount exceeds the upper limit of the consumption amount.
2. The universal portable payment system according to claim 1 further comprising a network-less transaction system for said payment device to conduct a transaction with another payment device by key pairing under network-less conditions.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202010258044.XA CN113496397A (en) | 2020-04-03 | 2020-04-03 | All-round portable payment system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202010258044.XA CN113496397A (en) | 2020-04-03 | 2020-04-03 | All-round portable payment system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN113496397A true CN113496397A (en) | 2021-10-12 |
Family
ID=77994606
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202010258044.XA Pending CN113496397A (en) | 2020-04-03 | 2020-04-03 | All-round portable payment system |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN113496397A (en) |
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2020
- 2020-04-03 CN CN202010258044.XA patent/CN113496397A/en active Pending
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| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| RJ01 | Rejection of invention patent application after publication | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20211012 |