CN115760111A - Aggregated payment method, computer storage medium and system - Google Patents
Aggregated payment method, computer storage medium and system Download PDFInfo
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- CN115760111A CN115760111A CN202211581743.3A CN202211581743A CN115760111A CN 115760111 A CN115760111 A CN 115760111A CN 202211581743 A CN202211581743 A CN 202211581743A CN 115760111 A CN115760111 A CN 115760111A
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Abstract
The invention relates to the field of aggregated payment, in particular to an aggregated payment method, a computer storage medium and a system for executing the aggregated payment method.
Description
Technical Field
The invention relates to the field of aggregate payment, in particular to an aggregate payment method, a computer storage medium and a system.
Background
The mode of present online payment is very diversified, and people can select arbitrary payment methods to realize the payment according to habits and the like of oneself, corresponds the change of this kind of payment methods, and many platforms, consumption have all adopted the polymerization payment method at present, for example can let multiple payment platform sweep the sign indicating number and deduct money through a two-dimensional code, provide convenience for the consumer.
However, at present, such payment methods are usually realized only after a terminal that needs to pay and a terminal that deducts fees are respectively connected to a wide area network, and although there are solutions that can perform payment when signals are not good at present, most of these solutions are realized by networking the terminal that pays through the terminal that deducts fees, or by using a virtual wallet to realize payment, and obviously, any method has a security risk.
Disclosure of Invention
The invention provides an aggregate payment method, a computer storage medium and a system aiming at the problems in the prior art, which can realize off-line payment and associate the off-line payment with a corresponding payment account number without networking through a fee deduction terminal.
In order to solve the technical problems, the invention adopts the following technical scheme:
the invention provides an aggregate payment method, which comprises the following steps
The mobile equipment communicates with the fee deduction terminal through the area connection module, and payment information is formed after the identity certificate is read by the fee deduction terminal;
the mobile equipment compares whether assets in a pre-entered payment account are enough to pay or not according to the payment information, and if yes, identity verification is carried out; otherwise, the payment is failed;
the payment authentication comprises at least two of face recognition authentication, fingerprint authentication and password authentication;
after the payment identity verification is passed, the mobile equipment sends fee deduction information to a fee deduction terminal, the fee deduction terminal sends a fee deduction request to a corresponding payment account according to the fee deduction information, and meanwhile, the mobile equipment generates a fee deduction signal to store;
the platform where the payment account number is located forms a pre-payment bill according to the fee deduction request and waits for a fee deduction signal of the mobile equipment;
the fee deduction signal is used for sending to the platform after the mobile device is networked, the platform matches the fee deduction request with the fee deduction signal, when the matching is successful, the corresponding asset is transferred to the account corresponding to the fee deduction terminal, the fee deduction is carried out on the payment account, and the asset information in the mobile device is updated.
Further, after the fee deduction information is generated, the platform where the payment account is located sends notification information to a reserved contact way for reminding; and if the fee deduction signal is not received within a certain time after the notification information is sent, the platform directly deducts the corresponding asset from the payment account and transfers the corresponding asset to the account corresponding to the fee deduction terminal.
Further, also comprises
The mobile equipment is connected with the wide area network, and timing is started when the wide area network cannot be connected; and if the wide area network connection is not carried out before the timing time reaches the preset value, closing the off-line payment function.
Further, after the mobile device receives the payment information, the payment platform information in the payment information is extracted, the payment platform information is compared with the pre-entered payment account information, and when the payment account information contains the payment platform information, the asset comparison step is executed.
Further, before the mobile device communicates with the fee deduction terminal, the method further comprises
The method comprises the steps that the mobile equipment inputs a payment account under the state of being connected with a wide area network, a platform corresponding to the payment account sends verification information when the payment account is input, the input identity verification is carried out by a person to whom the payment account belongs after the verification information is filled in, and the input identity verification comprises at least two of face recognition verification, fingerprint verification and password verification;
the performer of the entry authentication and the performer of the payment authentication may be different natural persons.
Furthermore, when the input authentication and the payment authentication are different natural persons, the declaration material/the relative certification file needs to be provided for verification, and the input authentication executor inputs the payment amount after the verification is passed.
Further, after the payment verification is passed, the method also comprises
Selecting single account payment or multi-account payment;
when a multi-account payment mode is selected, selecting accounts needing to be paid in the mobile terminal, and respectively inputting assets for payment in the selected accounts;
the mobile terminal generates a plurality of pieces of fee deduction information according to the number of the paid accounts and sends the fee deduction information to the fee deduction terminal, and fee deduction requests are sent to the payment accounts respectively through the fee deduction terminal.
Furthermore, a transfer platform is arranged between the fee deduction terminal and the platform where the payment account is located, and the transfer platform is used for sending the plurality of fee deduction information to the platforms where the payment accounts are located respectively.
The present invention also provides a computer storage medium having a program for the above-described aggregate payment method.
The invention also provides a system for executing the aggregate payment method.
The invention has the beneficial effects that: the invention ensures that the mobile equipment can pay after passing multiple authentications under the offline condition, and can send signals to confirm the deduction after being reconnected with the wide area network, thereby realizing the payment function in the occasions with poor partial signals and improving the convenience.
Drawings
FIG. 1 is a schematic diagram of the system of the present invention.
Detailed Description
In order to facilitate understanding of those skilled in the art, the present invention will be further described with reference to the following examples and drawings, which are not intended to limit the present invention. The present invention is described in detail below with reference to the attached drawings.
Example 1
The embodiment provides an aggregate payment method which comprises the following steps
The mobile equipment is communicated with the fee deduction terminal through the area connection module, and the identity certificate is read by the fee deduction terminal to form payment information;
the mobile equipment compares whether assets in a pre-entered payment account are enough to pay or not according to the payment information, and if yes, identity authentication is carried out; otherwise, the payment fails;
payment identity verification, including at least two of face recognition verification, fingerprint verification and password verification;
after the payment identity verification is passed, the mobile equipment sends fee deduction information to a fee deduction terminal, the fee deduction terminal sends a fee deduction request to a corresponding payment account according to the fee deduction information, and meanwhile, the mobile equipment generates a fee deduction signal to store;
the platform where the payment account number is located forms a pre-payment bill according to the fee deduction request and waits for a fee deduction signal of the mobile equipment;
the fee deduction signal is used for sending to the platform after the mobile device is networked, the platform matches the fee deduction request with the fee deduction signal, when the matching is successful, the corresponding asset is transferred to the account corresponding to the fee deduction terminal, the fee deduction is carried out on the payment account, and the asset information in the mobile device is updated.
The invention can be realized by the APP, namely, a user inputs a corresponding payment account (such as WeChat, paibao, various bank cards and the like) in the APP before using the APP, and carries out identity verification and verification information sent by a request platform in the APP, and when the verification is passed, the APP is bound with the corresponding account; when a user pays, if a payment scene signal is not good, signal connection can be achieved through a regional connection module (such as Bluetooth and NFC) of the mobile device and a fee deduction terminal (such as a POS machine), the user can select a payment account and verify the identity after the payment information is sent to the mobile device through the fee deduction terminal, the mobile device can send fee deduction information to the fee deduction terminal after the identity verification is passed, the fee deduction information is only a signal for confirming fee deduction, the fee deduction terminal can send a fee deduction request to a platform where the corresponding payment account is located through the signal, the platform can deduct assets (usually money) after receiving the fee deduction request and does not transfer the assets to the account of the fee deduction terminal, and the mobile device can generate a fee deduction signal to store the assets; until the mobile equipment is reconnected with the wide area network, the APP sends the fee deduction signal to a platform where the payment account is located, and the platform transfers the asset to the account of the fee deduction terminal after receiving the signal.
The invention can also be used in the situation of smooth signal, at this moment, the deduction signal is sent to the platform as soon as being generated, so as to achieve the effect of real-time payment; the invention is mainly used in occasions with poor signals, and is convenient for users to trade under any situation so as to improve convenience.
In order to prevent the phenomenon that assets in the account are maliciously transferred when the payment is carried out under the condition of poor signals, a transfer platform is arranged between the fee deduction terminal and a platform where the payment account is located, the transfer platform is used for respectively sending a plurality of fee deduction information to the platform where each payment account is located, the payment assets before the fee deduction signals are sent by the mobile equipment can be transferred to the transfer platform for storage by the platform where the corresponding payment account is located, and the just effect is achieved. The transfer platform can collect a credit in advance, and is specially used for deducting money when the condition happens, the credit can be 10% of the total assets of all account numbers, and the credit is returned after the transfer platform pays for a plurality of times/a certain amount.
In this embodiment, after the deduction information is generated, the platform where the payment account is located sends notification information to the reserved contact way for reminding; and if the fee deduction signal is not received within a certain time after the notification information is sent, the platform directly deducts the corresponding asset from the payment account and transfers the corresponding asset to the account corresponding to the fee deduction terminal.
For example, if a bank account is used for payment, the corresponding bank can send information to a mobile phone number left when the bank account is transacted so as to achieve the effect of reminding a user; and when the fee deduction signal is not received within a certain time (such as one week or one month) after the notification is sent out, the platform directly executes the transaction so as to avoid the loss of the merchant.
In this embodiment, the present invention also includes
The mobile equipment is connected with the wide area network, and timing is started when the wide area network cannot be connected; and if the WAN connection is not carried out before the timing time reaches the preset value, closing the off-line payment function.
Namely, when the mobile equipment is in a state of not being connected with the wide area network for a long time, the method and the system can activate the APP to directly refuse to execute the payment function, thereby ensuring the safety of a user.
In this embodiment, after receiving the payment information, the mobile device extracts the payment platform information in the payment information, compares the payment platform information with the pre-entered payment account information, and executes an asset comparison step when the payment account information includes the payment platform information.
Namely, the selection of the payment platform can be carried out by the merchant, or the merchant can carry out the primary selection but the user carries out another selection after finding that the asset is not enough to pay, and the fee deduction terminal carries out the subsequent fee deduction request operation after the identity verification passes and the fee deduction terminal confirms the user again without errors.
In this embodiment, before the mobile device communicates with the charging terminal, the mobile device further includes
The method comprises the steps that the mobile equipment inputs a payment account under the state of being connected with a wide area network, a platform corresponding to the payment account sends verification information when the payment account is input, the input identity verification is carried out by a person to whom the payment account belongs after the verification information is filled in, and the input identity verification comprises at least two of face recognition verification, fingerprint verification and password verification;
the performer of the entry authentication and the performer of the payment authentication may be different natural persons.
Specifically, in most cases, the identity authentication and the payment authentication are entered by the same person, but a situation that a parent transacts an account for a child but the child is not grown up and needs to take charge of the account may occur, that is, when the identity authentication and the payment authentication are entered into different natural persons, a statement material/a family certification file needs to be provided for verification, and the entered identity authentication executor inputs the payment amount after the verification is passed.
When the executor of the input identity verification and the payment identity verification is not the same natural person, the executor of the input identity verification limits daily/total consumption amount after the verification is passed, and then only the identity information of the executor of the payment identity verification needs to be verified when the executor of the payment identity verification consumes, and the notification information can be directly sent to the contact mode of the executor of the input identity verification.
In this embodiment, after the payment verification is passed, the method further comprises
Selecting single account payment or multi-account payment;
when a multi-account payment mode is selected, selecting accounts needing to be paid in the mobile terminal, and respectively inputting assets for payment in the selected accounts;
the mobile terminal generates a plurality of pieces of fee deduction information according to the number of the paid accounts and sends the fee deduction information to the fee deduction terminal, and fee deduction requests are sent to the paid accounts respectively through the fee deduction terminal.
Compared with the prior art, the invention can ensure that after the deduction terminal belongs to the total consumption amount, the mobile equipment owner selects different account numbers to pay assets with different amounts according to the assets of each payment account number, thereby realizing the function of deducting the fees of a plurality of account numbers at one time and improving the use convenience.
Example 2
The present embodiment provides a computer storage medium having a program for the aggregate payment method described in embodiment 1.
Example 3
As shown in fig. 1, this embodiment provides a system, which at least includes a transfer platform, a mobile device, a fee deduction terminal, a platform where at least one fee deduction terminal is located, and a platform where at least one payment account is located, and the execution of the aggregated payment method described in embodiment 1 is implemented by cooperation of multiple parties and using the transfer platform as a center.
Although the present invention has been described with reference to the preferred embodiments, it will be understood by those skilled in the art that various changes may be made and equivalents may be substituted for elements thereof without departing from the scope of the present invention.
Claims (10)
1. An aggregated payment method, characterized by: comprises that
The mobile equipment is communicated with the fee deduction terminal through the area connection module, and the identity certificate is read by the fee deduction terminal to form payment information;
the mobile equipment compares whether assets in a pre-entered payment account are enough to pay or not according to the payment information, and if yes, identity verification is carried out; otherwise, the payment fails;
the payment authentication comprises at least two of face recognition authentication, fingerprint authentication and password authentication;
after the payment identity verification is passed, the mobile equipment sends fee deduction information to a fee deduction terminal, the fee deduction terminal sends a fee deduction request to a corresponding payment account according to the fee deduction information, and meanwhile, the mobile equipment generates a fee deduction signal to store;
a platform where the payment account is located forms a pre-payment bill according to the fee deduction request, and waits for a fee deduction signal of the mobile device;
the fee deduction signal is used for sending to the platform after the mobile device is networked, the platform matches the fee deduction request with the fee deduction signal, when the matching is successful, the corresponding asset is transferred to the account corresponding to the fee deduction terminal, the fee deduction is carried out on the payment account, and the asset information in the mobile device is updated.
2. The aggregate payment method of claim 1, wherein: after the deduction information is generated, the platform where the payment account is located sends notification information to a reserved contact way for reminding; and if the fee deduction signal is not received within a certain time after the notification information is sent, the platform directly deducts the corresponding asset from the payment account and transfers the corresponding asset to the account corresponding to the fee deduction terminal.
3. The aggregate payment method of claim 1, wherein: the mobile equipment is connected with the wide area network, and timing is started when the wide area network cannot be connected; and if the WAN connection is not carried out before the timing time reaches the preset value, closing the off-line payment function.
4. The aggregated payment method of claim 1, wherein: and after receiving the payment information, the mobile equipment extracts the payment platform information in the payment information, compares the payment platform information with the pre-entered payment account information, and executes an asset comparison step when the payment account information contains the payment platform information.
5. The aggregate payment method of claim 1, wherein: before the mobile device communicates with the fee deduction terminal, the method also comprises
The method comprises the steps that the mobile equipment inputs a payment account under the state of being connected with a wide area network, when the payment account is input, verification information is sent by a platform corresponding to the payment account, after the verification information is filled in, input identity verification is carried out by a person to whom the payment account belongs, and the input identity verification comprises at least two of face recognition verification, fingerprint verification and password verification;
the performer of the entry authentication and the performer of the payment authentication may be different natural persons.
6. The aggregated payment method of claim 5, wherein: when the input authentication and the payment authentication are different natural persons, the declaration material/the relative certification file needs to be provided for verification, and the input authentication executor inputs the payment amount after the verification is passed.
7. The aggregate payment method of claim 1, wherein: after the payment verification is passed, the method also comprises
Selecting single account payment or multi-account payment;
when a multi-account payment mode is selected, selecting accounts needing to be paid in the mobile terminal, and respectively inputting assets for payment in the selected accounts;
the mobile terminal generates a plurality of pieces of fee deduction information according to the number of the paid accounts and sends the fee deduction information to the fee deduction terminal, and fee deduction requests are sent to the paid accounts respectively through the fee deduction terminal.
8. The aggregate payment method of claim 7, wherein: and a transfer platform is arranged between the fee deduction terminal and the platform where the payment account is located, and the transfer platform is used for respectively sending a plurality of fee deduction information to the platforms where the payment accounts are located.
9. A computer storage medium, characterized in that: having a program for performing the aggregate payment method of any one of claims 1-8.
10. A system, characterized by: for performing the aggregate payment method of any one of claims 1-8.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202211581743.3A CN115760111A (en) | 2022-12-09 | 2022-12-09 | Aggregated payment method, computer storage medium and system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202211581743.3A CN115760111A (en) | 2022-12-09 | 2022-12-09 | Aggregated payment method, computer storage medium and system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN115760111A true CN115760111A (en) | 2023-03-07 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202211581743.3A Pending CN115760111A (en) | 2022-12-09 | 2022-12-09 | Aggregated payment method, computer storage medium and system |
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| Country | Link |
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| CN (1) | CN115760111A (en) |
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- 2022-12-09 CN CN202211581743.3A patent/CN115760111A/en active Pending
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