CN1641653A - Transaction payment method - Google Patents
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- CN1641653A CN1641653A CN 200410000169 CN200410000169A CN1641653A CN 1641653 A CN1641653 A CN 1641653A CN 200410000169 CN200410000169 CN 200410000169 CN 200410000169 A CN200410000169 A CN 200410000169A CN 1641653 A CN1641653 A CN 1641653A
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Abstract
The invention discloses a trade payment method. It pre-sets the image that contains information correlation to the account of user, image capturing device and image analyzing center. When taking trading process, the image-capturing device captures the image and sends to server terminal, which at least comprises trading information of image and sever operator account correlative information, and sends to bank trade process system. Process system would sends the image to image analyzing center and the image information containing user account relative information would be analyzed. Then, account transferring would be operated according to the current trade amount. By using the invention, user can only show image when taking consumption. One account can be used for plural users by copying image.
Description
Technical field
The present invention relates to the transaction payment business field, relate to a kind of transaction payment method or rather.
Background technology
In the past, the user paid down every transaction, and this requires the user to carry enough cashes when transaction.If carry short of cashly, just can't conclude the business.If the turnover of a certain transaction is bigger, then the user must carry a large amount of cashes, and obviously, buckets of cash is not easy to the user and carries, and if cash lose, then can cause very big loss to the user.In addition, because coin circulates in various occasions, be very easy to carry various bacteriums, the user tends to touch a lot of bacteriums because of contacting cash continually, is unfavorable for that the user's is healthy.
Along with the continuous development of financial industry, bank provides some non-cash transaction methods for the user.Use to such an extent that be exactly the business of swiping the card the most widely at present.The service needed of swiping the card bank provides bank card for the user, and service terminal is set in market or supermarket as the service provider, service terminal obtains user's bank account relevant information by user card punching, and this user account relevant information, service provider's account-related information and current dealing money reported the transaction processing system of bank, the bank transaction disposal system according to these information to the current transaction processing of transferring accounts.
This bankcard consumption has remedied the deficiency of cash consumption, has made things convenient for the user to a great extent.But part also comes with some shortcomings.Such as, professional for swiping the card, if the user carries out bankcard consumption, then must carry bank card, that is to say that the user who only carries this bank card just can carry out bankcard consumption.This can both consume by swiping the card for guaranteeing each member for the more situation of kinsfolk, then needs to apply for a bank card for each member.If user's bank card is lost, then must go lose bank card issuing bank handle the business of reporting the loss, and make up or apply for again a bank card, this is for the user, very trouble.In addition because every bank card all has certain manufacturing cost, moreover bank card all arranged certain serviceable life, therefore, bank need drop into necessary fund for making bank card, increase the bank operation cost to a certain extent.
Summary of the invention
In view of this, fundamental purpose of the present invention is to provide a kind of transaction payment method, and making the user not need bank card can be that current transaction is paid by the user account of oneself.
For reaching above purpose, technical scheme of the present invention is achieved in that a kind of transaction payment method, and this method may further comprise the steps:
A. set in advance the image that has stored the user account relevant information, be used to obtain the image acquiring device of image, and be used for image analysis center that image is resolved;
B. when carrying out transaction processing, image acquiring device obtains image, and this image is sent to service terminal, and service terminal will comprise at least that the Transaction Information of described image and service provider's account-related information sends to the bank transaction disposal system;
C. the bank transaction disposal system sends to the image analysis center with the image in the Transaction Information, the image analysis center is by resolving image, at least the image information that is comprised the user account relevant information, and the image information that parsing obtains sent to the bank transaction disposal system;
D. the bank transaction disposal system is obtained service provider's account according to the image information acquisition user account according to service provider's account-related information, and according to current dealing money to the processing of transferring accounts of user account and service provider's account.
Among the described step c, described image information comprises image I D information and user account relevant information.
Among the described step a, described image information comprises user account; In the steps d, described bank transaction disposal system according to the image information acquisition user account is: obtain user account from image information.
This method may further include: the corresponding relation of preserving image information and user account in the bank transaction disposal system;
In the steps d, the bank transaction disposal system according to the image information acquisition user account is: the corresponding relation according to the image information of receiving and self preservation obtains user account.
Among the described step a, described image is bar code or two-dimension code or individual icon image; Described image acquiring device is a digital photographic arrangement.
Among the described step b, described service provider's account-related information comprises service provider's account; Among the described step c, described bank transaction disposal system is directly obtained service provider's account from Transaction Information.
This method may further include: the corresponding relation of service terminal information and service provider's account is kept in the bank transaction disposal system;
Among the step b, described service provider's account-related information is a service terminal information;
Among the step c, described bank transaction disposal system is obtained corresponding service provider's account according to current service terminal information from the corresponding relation of self preserving.
Among the described step b, described Transaction Information further comprises: service terminal id information or service terminal number information or service provider's id information or transaction journal information, or the combination in any of above four kinds of information.
Among the described step b, described Transaction Information further comprises the dealing money of current transaction; In the steps d, described bank transaction disposal system is directly obtained current dealing money from Transaction Information.
In the described steps d, described bank transaction disposal system further may further comprise the steps before transferring accounts and handling:
D11. the bank transaction disposal system is set up the occasional trade record according to Transaction Information, and sends the affirmation solicited message whether affirmation carries out current transaction to service terminal;
D12. after service terminal is received and confirmed solicited message, return response message to the bank transaction disposal system;
D13. the bank transaction disposal system has judged whether to receive the response message of service terminal, if received, judges further then whether the response message of receiving is the affirmation information of carrying out current transaction, if, the processing of then transferring accounts; If do not receive response message, or the response message of receiving then refuses to transfer accounts processing for cancelling the affirmation information of current transaction.
Among the described step c, described image information further comprises mobile terminal number; This method further comprises: the bank transaction disposal system is obtained mobile terminal number from the image information of receiving.
This method may further include: the bank transaction disposal system is preserved the corresponding relation of image information and customer mobile terminal number, and described bank transaction disposal system is obtained the customer mobile terminal number corresponding with this image information according to the corresponding relation of self preserving.
In the described steps d, described bank transaction disposal system further may further comprise the steps before the processing of transferring accounts:
D21. the bank transaction disposal system is set up the occasional trade record according to Transaction Information, and sends the affirmation solicited message of confirming current transaction to portable terminal;
D22. after portable terminal is received and confirmed solicited message, return response message to the bank transaction disposal system;
D23. the bank transaction disposal system has judged whether to receive the response message of portable terminal, if received, judges further then whether the response message of receiving is the affirmation information of carrying out current transaction, if, the processing of then transferring accounts; If do not receive response message, or the response message of receiving then refuses to transfer accounts processing for cancelling the affirmation information of current transaction.
Further comprise after the described steps d: the bank transaction disposal system is returned the transaction execution result to portable terminal; After described portable terminal is received the transaction execution result, return the affirmation information of receiving the transaction execution result to the bank transaction disposal system.
Described affirmation solicited message further comprises: the information that requires the user to confirm by the input password; Described affirmation is concluded the business and is: the input password is confirmed.
Described bank transaction disposal system further comprises after transferring accounts: the bank transaction disposal system generates the bill of current transaction according to the Transaction Information of current transaction, and should current transaction bill send to portable terminal.
This method may further include: set in advance the dealing money threshold value; In the steps d, described bank transaction disposal system further may further comprise the steps before transferring accounts and handling:
D31. judge that whether current dealing money is less than the dealing money threshold value that sets in advance, if less than, then send the information whether affirmation carries out current transaction to portable terminal, and enter steps d 32, otherwise, require the user whether to carry out the information of current transaction to the portable terminal transmission, and enter steps d 32 by password confirming;
D32. the bank transaction disposal system judges whether the affirmation information of receiving that portable terminal returns, if receive the affirmation information of carrying out current transaction, then carries out the processing of transferring accounts; If receive the affirmation information of the current transaction of cancellation, or do not receive any confirmation, then refuse to transfer accounts processing.
This method may further include: set in advance the dealing money threshold value; In the steps d, described bank transaction disposal system further may further comprise the steps before the processing of transferring accounts according to current dealing money:
D41. judge that whether current dealing money is less than the dealing money threshold value that sets in advance, if less than, then send the information whether affirmation carries out current transaction to service terminal, and enter steps d 42, otherwise, require the user whether to carry out the information of current transaction to the service terminal transmission, and enter steps d 42 by password confirming;
D42. the bank transaction disposal system judges whether the affirmation information of receiving that service terminal returns, if receive the affirmation information of carrying out current transaction, then carries out the processing of transferring accounts; Carry out the affirmation information of current transaction if receive cancellation, or do not receive any confirmation, then refuse to transfer accounts processing.
Further comprise after the described step c: the bank transaction disposal system is returned the transaction execution result to service terminal; After described service terminal is received the transaction execution result, return the affirmation information of receiving the transaction execution result to the bank transaction disposal system.
This method may further include: set in advance the dealing money threshold value;
Among the step a, the corresponding two or more user accounts of described image;
In the steps d, whether described bank transaction disposal system determines the user account of current transaction less than the dealing money threshold value that sets in advance according to current dealing money.
This method may further include: one or more dealing money threshold value is set in the bank transaction disposal system in advance, and specific mobile terminal number is set at different dealing money threshold ranges, the bank transaction disposal system further comprised before the processing of transferring accounts: the dealing money threshold range of determining current dealing money place, send the information whether affirmation carries out current transaction to the pairing mobile terminal number of this dealing money threshold range, and judge whether the affirmation information of receiving that described all portable terminals return, if then carry out the processing of transferring accounts; Otherwise, refuse to transfer accounts processing.
Among the described step a, further comprise the image essential information in the described image corresponding image information; Among the step b, described service terminal is before the Transaction Information that will comprise image and service provider's account-related information at least sends to the bank transaction disposal system, further comprise: service terminal obtains the image essential information, and judge according to this image essential information whether self current image that obtains is correct, if correct, then carry out the step that Transaction Information is sent to the bank transaction disposal system; Otherwise, obtain image again, perhaps finish this treatment scheme.
Among the described step a, further comprise the image essential information in the described image corresponding image information; Among the step b, described image acquiring device is before sending to service terminal with this image, further comprise: image acquiring device is resolved the essential information of the image that obtains, and judge according to this image essential information whether self current image that obtains is correct, if correct, then carry out the step that this image is sent to service terminal; Otherwise, obtain image again, perhaps finish this treatment scheme.
The present invention program is by being provided with the image that has stored the user account relevant information, the information of this image storage can comprise image I D, user's account relevant information and user related information, and in the bank transaction disposal system, preserve the corresponding relation of this image information and user account, make the user when payment transaction, only need show this image gets final product, and image can be arranged on the portable any article of user, has made things convenient for the payment of user to various transaction.Even user's image is lost, can not go to bank to report the loss yet, only need duplicate an image and get final product.And by duplicating image, a bank account can be used simultaneously by a plurality of users.
The present invention program makes user profile can access better secret effect by at the image analysis center image being carried out unified dissection process.
In addition, the present invention program's image can be set to the very low bar code of manufacturing cost, or the two-dimension code such as LP Code etc., also can be some such as the individual icon image of head portrait of user etc., certainly, also can be other some images, thereby greatly reduce the operating cost of bank.
Description of drawings
Fig. 1 is the present invention program's realization flow figure.
Embodiment
Below in conjunction with drawings and the specific embodiments technical solution of the present invention is described in further detail.
Referring to Fig. 1, the present invention program can realize by following steps:
Here, corresponding with user account image can be any image.Such as, this image is the digital brief note that comprises user account, or bar code, or such as the two-dimension code of LP Code, can also be user's personalized icon images such as head portrait.Corresponding image acquiring device can be a digital camera head, also can be the scanning device with camera function.
Image information can be provided with according to user account relevant informations such as image I D, user names, also can be according to image I D and user account information according to certain rule setting.Then resolve image at the image analysis center, and to obtain corresponding image information, image information has then comprised information such as image I D and user account relevant information, also may further include user related information, as mobile terminal number.The information that comprises in the image also can only be the summary that obtains by the summary computing according to the image pixel data.Certainly, in this case, should guarantee the not conflict of summary of all images.
Image can be made label, and the user sticks on this label on the portable article, such as sticking on the article such as mobile phone, PDA(Personal Digital Assistant), lighter.This image can also be kept at such as in the terminals such as mobile phone, PDA, and then the user accesses corresponding image from terminal and gets final product when needs are concluded the business by this image.Such as, user with the image information display such as head portrait of personalization on mobile terminal screen, image acquiring device obtains corresponding image by scanning this image tag or mobile phone screen.
Step 102～103, image acquiring device obtain user's image, and the image information that obtains sent to service terminal, the Transaction Information that service terminal will comprise described image, service provider's account-related information and current dealing money at least sends to the bank transaction disposal system.
Service terminal is after receiving the image that image acquiring device sends, can also obtain the lower partial information of safety requirements in this image, it is the image essential information, and judge according to this image essential information whether the image of receiving is correct, if the image that acknowledges receipt of is correct, then send this image, otherwise refusal sends the image of receiving to the bank transaction disposal system to the bank transaction disposal system.So not only can guarantee to send to the correctness of the image of bank transaction disposal system, but also improve analyzing efficiency.In addition, also can from the image that self obtains, parse corresponding image essential information, and judge directly whether the image that obtains is correct, if incorrect, then obtains image again by image acquiring device, or end process; If correct, then send image and the image essential information of obtaining to service terminal.Image acquiring device also can send image and image essential information to service terminal, by service terminal the correctness of image is judged.
Certainly, service terminal can only send to the bank transaction disposal system with image, also image and corresponding image essential information can be sent to the bank transaction disposal system together.
Transaction Information can further include: service terminal id information or service terminal number information or service provider's id information or transaction journal information, or the combination in any of above several information.
In step 103, directly service provider's account-related information is set to service provider's account.Can also service provider's account-related information be set to service terminal information, in this case, then need to be provided with the corresponding relation of service terminal information and service provider's account, and this corresponding relation is kept in the bank transaction disposal system.By such setting, service terminal only needs to send corresponding service terminal information when the bank transaction disposal system sends service provider's account-related information.This service terminal information can include only the id information of this service terminal, can further include service provider's id information and service terminal number information.Wherein, service provider's id information, service terminal number information and the current transaction journal of this terminal number can be merged into a transaction odd numbers, perhaps service terminal id information and the current transaction journal of this terminal number are merged into a transaction odd numbers, perhaps service provider's id information and the current transaction journal of this service provider number are merged into a transaction odd numbers, then can comprise other information such as transaction odd numbers information in the service terminal information.The relevant information that can also further in the id information of service terminal, comprise in addition, the service provider.
After step 104, bank transaction disposal system are received Transaction Information, the image in the Transaction Information is sent to the image analysis center.
If there has been the image essential information in the Transaction Information that the bank transaction disposal system is received, then the bank transaction disposal system can only send the solicited message of obtaining the remaining information in the image information to the image analysis center, and perhaps the indicating image analytical center can no longer be resolved the pairing essential information of this image.This remaining information often is a high security information, such as, comprise corresponding user account information.
Resolve the image of receiving at step 105, image analysis center, and the information that parsing obtains is returned to the bank transaction disposal system.At least the account-related information that comprises the user in the information that this parsing obtains can also comprise other information.
If the image analysis center receives that requirement only resolves and return the solicited message of high security information, then the image analysis center is parsing high security information from image, and only this high security information is sent to the bank transaction disposal system.
If the image that is used for the identifying user account has directly stored user's bank account, the bank transaction disposal system user account information that directly obtains parsing then from the image analysis center; If image storage is the user account relevant information corresponding with user account, then the bank transaction disposal system need be preserved the corresponding relation of image and user account, and the image information that the bank transaction disposal system is returned according to the image analysis center is obtained user's accounts information from this corresponding relation.Here, image information can comprise image I D information, also can comprise any information such as mobile terminal number.If preserved the corresponding relation of image I D and user account information in the bank transaction disposal system, then the bank transaction disposal system is when receiving the image information that send at the image analysis center, according to the image I D in this image information, from the corresponding relation of self preserving, obtain corresponding user account information.
The image information acquisition user's that step 106, bank transaction disposal system are returned according to the image analysis center bank account, obtain service provider's account according to the service provider's account-related information in the Transaction Information, and according to the processing of transferring accounts of current dealing money.
If the service provider's account-related information in the Transaction Information directly is service provider's account, then the bank transaction disposal system can directly be obtained service provider's account.If service provider's account-related information is a service terminal information, then the bank transaction disposal system is preserved the corresponding relation between service terminal information and the service provider's account, like this, the bank transaction disposal system can be obtained service provider's account according to service terminal information from the information of self preserving.
By above-mentioned steps, the bank transaction disposal system can be by the processing of transferring accounts of user's image information.
For making the present invention program more perfect, can also make further thinning processing to said process.
Such as, in the above-mentioned steps 106, the bank transaction disposal system can be set up the occasional trade record according to this Transaction Information after receiving Transaction Information.In general, should comprise user's image and corresponding user account in the occasional trade record at least, and service provider's account.If also comprise other information in the Transaction Information, current also can be in occasional trade record with these information setting.After this Transaction Success, the bank transaction disposal system can also generate formal transaction record according to this occasional trade record, and generates the transaction bill of current transaction with this.
For guaranteeing user's interests, the bank transaction disposal system can also confirm whether carry out this transaction by the user before processing is transferred accounts in execution.Such as, the bank transaction disposal system sends the affirmation solicited message whether affirmation carries out this transaction to service terminal, and the user then can confirm whether carry out this transaction at service terminal, if confirm to carry out, then returns confirmation by service terminal; Otherwise, return the information of Cancelling Transaction by service terminal.If the response message that the bank transaction disposal system is received is a confirmation, then carry out the processing of transferring accounts, otherwise, cancel this processing of transferring accounts.The affirmation solicited message that the bank transaction disposal system sends can be a request confirmation, such as, require the user to input password, or require the user only to return to determine to carry out Transaction Information; Also may further include the relevant information of current transaction, such as, information such as transaction odd numbers, dealing money are so that the user confirms the accuracy of current transaction.If bank's wait acknowledge information is overtime, then Cancel Transaction.
The bank transaction disposal system transfer accounts finish dealing with after, can also send execution result information to service terminal.If current Transaction Success, the bank transaction disposal system then sends successful information, can further include the relevant information of current transaction in this successful information, such as, information such as transaction odd numbers, dealing money; If current Fail Transaction then sends failure information.Service terminal can also return the message of receiving execution result information automatically after receiving execution result information.In this processing procedure, can also set in advance transaction ID at service terminal, the bank transaction disposal system is when service terminal sends execution result information, this transaction ID is made corresponding sign, such as, transaction ID is set to " not receiving the return message of service terminal affirmation Transaction Success "; When the bank transaction disposal system is received the affirmation information that service terminal returns, this transaction ID is made corresponding sign, such as, transaction ID is set to " service terminal has been received and confirmed Transaction Success information ".
For the simplicity that guarantees to conclude the business, the dealing money threshold value of small amount can also further be set, and determination strategy to current dealing money is set further, then the bank transaction disposal system is before transferring accounts, whether at first judge this amount of money of transferring accounts less than this dealing money threshold value that sets in advance, if less than, then the bank transaction disposal system only sends the information of confirming that current Transaction Information is whether correct to service terminal, this current Transaction Information can comprise dealing money, information such as transaction odd numbers; Otherwise, send by the whether correct information of the current Transaction Information of password confirming to service terminal.If service terminal returns confirmation, then carry out transferred account service, if receive the information that service terminal prompting makes mistakes, or the user cancels the information of current transaction, or do not receive the information that service terminal returns, and then cancels this transferred account service.This dealing money threshold value can be provided with by the bank transaction disposal system is unified; Also can be provided with respectively by the user, and be preserved by the bank transaction disposal system, that is, the dealing money threshold value can be to be provided with at each user.
When user's image is set, can also be in an image the further mobile terminal number of stored user.In this case, the bank transaction disposal system can be obtained mobile terminal number from the image information that the image analysis center is returned, therefore, the bank transaction disposal system can also send to user's portable terminal confirms solicited message, and the user then returns response message by portable terminal to the bank transaction disposal system.Certainly, the bank transaction disposal system also can send execution result information to portable terminal.Portable terminal also can return the message of having received execution result information automatically after receiving execution result.Equally, also can transaction ID be set, and whether return message is provided with different transaction IDs respectively according to portable terminal at portable terminal.Certainly, also can not store mobile terminal number in the image, but the corresponding relation of user account or image information and mobile terminal number directly is kept at the bank transaction disposal system, like this, the bank transaction disposal system just can directly be obtained user's mobile terminal number from the corresponding relation of self preserving according to user account or image information.
If the bank transaction disposal system can access mobile terminal number, it is when judging current dealing money according to the dealing money threshold value of small amount, if current dealing money less than the dealing money threshold value that sets in advance, then also can send the information whether affirmation carries out current transaction to portable terminal; Otherwise, send the information of whether carrying out current transaction by password confirming to portable terminal.
In addition,, can also after the success of transferring accounts, generate the bill of current transaction, and the single transmit of will being in debt is given portable terminal according to the Transaction Information of current transaction if the bank transaction disposal system is known user's mobile terminal number.Certainly, also can generate schedule of dealing, and directly send to portable terminal, also schedule of dealing can be sent to the bank transaction disposal system, this schedule of dealing is transmitted to portable terminal by the bank transaction disposal system by mobile communications network by service terminal.
When image is set, in general, can image and corresponding user account be set to one-to-one relationship, that is to say that an image can only corresponding user account.For security consideration, another can also further be set or the image corresponding more than with the account.Then the user must show all images, and these images all verified by the bank transaction disposal system and confirm correct after, could consume by the account of correspondence.Certainly, these images can be arranged on any article of user.
In addition, can also one or more mobile terminal number be set at a user account, at this moment, can also in the bank transaction disposal system, preserve a plurality of dealing money threshold values at this user account, and the bank transaction disposal system is set to: if the amount of money of the current consumption of certain user in the scope of certain dealing money threshold value, then the bank transaction disposal system need send the information of confirming whether carry out current transaction to specific one or several portable terminal.That is to say that the bank transaction disposal system need be preserved a plurality of dealing money threshold values, and need to be confirmed to be the mobile terminal number of not carrying out current transaction in the different dealing money threshold range.
The information of being useful on identifying user account can also be called the account image, then may have only an image in the account image, also have two or more images.And if the corresponding a plurality of portable terminals of these images difference, then the user has only these all portable terminals to determine to carry out current transaction when certain account is consumed, and this time transferred accounts to handle and just can be performed.Like this, certain user who has an account also needs determining of other users in use, is convenient to each user the use of funds situation is exercised supervision.
Account collection of all right image setting of correspondence of user, the account concentrates and has comprised a plurality of accounts, and the condition of the concentrated corresponding account of selection account when carrying out transaction is set.Such as, the user is provided with the dealing money threshold value, this dealing money threshold value is sent to the bank transaction disposal system preserves, and require the bank transaction disposal system before transferring accounts, judge that at first whether current dealing money is less than the dealing money threshold value that sets in advance, if less than, then select one of them account; Otherwise, select another account.Like this; if user's dealing money is less; the account that then can select to input password is confirmed transaction; to simplify transaction flow; like this, in accuracy that has guaranteed block trade and security, make the insensitive penny ante of user convenient more; the user does not need under any circumstance to input the affirmation password of oneself, thereby has protected user's privacy information more effectively.
The above only is the present invention program's preferred embodiment, not in order to limit the present invention program's protection domain.
Claims (23)
1, a kind of transaction payment method is characterized in that this method may further comprise the steps:
A. set in advance the image that has stored the user account relevant information, be used to obtain the image acquiring device of image, and be used for image analysis center that image is resolved;
B. when carrying out transaction processing, image acquiring device obtains image, and this image is sent to service terminal, and service terminal will comprise at least that the Transaction Information of described image and service provider's account-related information sends to the bank transaction disposal system;
C. the bank transaction disposal system sends to the image analysis center with the image in the Transaction Information, the image analysis center is by resolving image, at least the image information that is comprised the user account relevant information, and the image information that parsing obtains sent to the bank transaction disposal system;
D. the bank transaction disposal system is obtained service provider's account according to the image information acquisition user account according to service provider's account-related information, and according to current dealing money to the processing of transferring accounts of user account and service provider's account.
2, method according to claim 1 is characterized in that among the described step c that described image information comprises image I D information and user account relevant information.
3, method according to claim 1 is characterized in that among the described step a, described image information comprises user account; In the steps d, described bank transaction disposal system according to the image information acquisition user account is: obtain user account from image information.
4, method according to claim 1 is characterized in that this method further comprises: the corresponding relation of preserving image information and user account in the bank transaction disposal system;
In the steps d, the bank transaction disposal system according to the image information acquisition user account is: the corresponding relation according to the image information of receiving and self preservation obtains user account.
5, method according to claim 1 is characterized in that among the described step a, and described image is bar code or two-dimension code or individual icon image; Described image acquiring device is a digital photographic arrangement.
6, method according to claim 1 is characterized in that among the described step b that described service provider's account-related information comprises service provider's account; Among the described step c, described bank transaction disposal system is directly obtained service provider's account from Transaction Information.
7, method according to claim 1 is characterized in that this method further comprises: the corresponding relation of service terminal information and service provider's account is kept in the bank transaction disposal system;
Among the step b, described service provider's account-related information is a service terminal information;
Among the step c, described bank transaction disposal system is obtained corresponding service provider's account according to current service terminal information from the corresponding relation of self preserving.
8, method according to claim 1, it is characterized in that among the described step b, described Transaction Information further comprises: any one in service terminal id information, service terminal number information, service provider's id information and the transaction journal information, or the combination in any of above four kinds of information.
9, method according to claim 1 is characterized in that among the described step b, described Transaction Information further comprises the dealing money of current transaction; In the steps d, described bank transaction disposal system is directly obtained current dealing money from Transaction Information.
10, method according to claim 1 is characterized in that in the described steps d, and described bank transaction disposal system further may further comprise the steps before transferring accounts and handling:
D11. the bank transaction disposal system is set up the occasional trade record according to Transaction Information, and sends the affirmation solicited message whether affirmation carries out current transaction to service terminal;
D12. after service terminal is received and confirmed solicited message, return response message to the bank transaction disposal system;
D13. the bank transaction disposal system has judged whether to receive the response message of service terminal, if received, judges further then whether the response message of receiving is the affirmation information of carrying out current transaction, if, the processing of then transferring accounts; If do not receive response message, or the response message of receiving then refuses to transfer accounts processing for cancelling the affirmation information of current transaction.
11, method according to claim 1 is characterized in that among the described step c, described image information further comprises mobile terminal number; This method further comprises: the bank transaction disposal system is obtained mobile terminal number from the image information of receiving.
12, method according to claim 1, it is characterized in that this method further comprises: the bank transaction disposal system is preserved the corresponding relation of image information and customer mobile terminal number, and described bank transaction disposal system is obtained the customer mobile terminal number corresponding with this image information according to the corresponding relation of self preserving.
According to claim 11 or 12 described methods, it is characterized in that in the described steps d that 13, described bank transaction disposal system further may further comprise the steps before the processing of transferring accounts:
D21. the bank transaction disposal system is set up the occasional trade record according to Transaction Information, and sends the affirmation solicited message of confirming current transaction to portable terminal;
D22. after portable terminal is received and confirmed solicited message, return response message to the bank transaction disposal system;
D23. the bank transaction disposal system has judged whether to receive the response message of portable terminal, if received, judges further then whether the response message of receiving is the affirmation information of carrying out current transaction, if, the processing of then transferring accounts; If do not receive response message, or the response message of receiving then refuses to transfer accounts processing for cancelling the affirmation information of current transaction.
14, method according to claim 13 is characterized in that, further comprise after the described steps d: the bank transaction disposal system is returned the transaction execution result to portable terminal; After described portable terminal is received the transaction execution result, return the affirmation information of receiving the transaction execution result to the bank transaction disposal system.
According to claim 10 or 13 described methods, it is characterized in that 15, described affirmation solicited message further comprises: the information that requires the user to confirm by the input password; Described affirmation is concluded the business and is: the input password is confirmed.
16, according to claim 11 or 12 described methods, it is characterized in that, described bank transaction disposal system further comprises after transferring accounts: the bank transaction disposal system generates the bill of current transaction according to the Transaction Information of current transaction, and should current transaction bill send to portable terminal.
17,, it is characterized in that this method further comprises: set in advance the dealing money threshold value according to claim 11 or 12 described methods; In the steps d, described bank transaction disposal system further may further comprise the steps before transferring accounts and handling:
D31. judge that whether current dealing money is less than the dealing money threshold value that sets in advance, if less than, then send the information whether affirmation carries out current transaction to portable terminal, and enter steps d 32, otherwise, require the user whether to carry out the information of current transaction to the portable terminal transmission, and enter steps d 32 by password confirming;
D32. the bank transaction disposal system judges whether the affirmation information of receiving that portable terminal returns, if receive the affirmation information of carrying out current transaction, then carries out the processing of transferring accounts; If receive the affirmation information of the current transaction of cancellation, or do not receive any confirmation, then refuse to transfer accounts processing.
18, method according to claim 1 is characterized in that this method further comprises: set in advance the dealing money threshold value; In the steps d, described bank transaction disposal system further may further comprise the steps before the processing of transferring accounts according to current dealing money:
D41. judge that whether current dealing money is less than the dealing money threshold value that sets in advance, if less than, then send the information whether affirmation carries out current transaction to service terminal, and enter steps d 42, otherwise, require the user whether to carry out the information of current transaction to the service terminal transmission, and enter steps d 42 by password confirming;
D42. the bank transaction disposal system judges whether the affirmation information of receiving that service terminal returns, if receive the affirmation information of carrying out current transaction, then carries out the processing of transferring accounts; Carry out the affirmation information of current transaction if receive cancellation, or do not receive any confirmation, then refuse to transfer accounts processing.
19, method according to claim 1 is characterized in that, further comprise after the described step c: the bank transaction disposal system is returned the transaction execution result to service terminal; After described service terminal is received the transaction execution result, return the affirmation information of receiving the transaction execution result to the bank transaction disposal system.
20, method according to claim 1 is characterized in that this method further comprises: set in advance the dealing money threshold value;
Among the step a, the corresponding two or more user accounts of described image;
In the steps d, whether described bank transaction disposal system determines the user account of current transaction less than the dealing money threshold value that sets in advance according to current dealing money.
21, method according to claim 1, it is characterized in that, this method further comprises: one or more dealing money threshold value is set in the bank transaction disposal system in advance, and specific mobile terminal number is set at different dealing money threshold ranges, the bank transaction disposal system further comprised before the processing of transferring accounts: the dealing money threshold range of determining current dealing money place, send the information whether affirmation carries out current transaction to the pairing mobile terminal number of this dealing money threshold range, and judge whether the affirmation information of receiving that described all portable terminals return, if then carry out the processing of transferring accounts; Otherwise, refuse to transfer accounts processing.
22, method according to claim 1 is characterized in that among the described step a, further comprises the image essential information in the described image corresponding image information; Among the step b, described service terminal is before the Transaction Information that will comprise image and service provider's account-related information at least sends to the bank transaction disposal system, further comprise: service terminal obtains the image essential information, and judge according to this image essential information whether self current image that obtains is correct, if correct, then carry out the step that Transaction Information is sent to the bank transaction disposal system; Otherwise, obtain image again, perhaps finish this treatment scheme.
23, method according to claim 1 is characterized in that among the described step a, further comprises the image essential information in the described image corresponding image information; Among the step b, described image acquiring device is before sending to service terminal with this image, further comprise: image acquiring device is resolved the essential information of the image that obtains, and judge according to this image essential information whether self current image that obtains is correct, if correct, then carry out the step that this image is sent to service terminal; Otherwise, obtain image again, perhaps finish this treatment scheme.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 200410000169 CN1641653A (en) | 2004-01-08 | 2004-01-08 | Transaction payment method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 200410000169 CN1641653A (en) | 2004-01-08 | 2004-01-08 | Transaction payment method |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN1641653A true CN1641653A (en) | 2005-07-20 |
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN 200410000169 Pending CN1641653A (en) | 2004-01-08 | 2004-01-08 | Transaction payment method |
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| Country | Link |
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| CN (1) | CN1641653A (en) |
Cited By (8)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN103106634A (en) * | 2012-12-26 | 2013-05-15 | 上海合合信息科技发展有限公司 | Method and system for protecting bank card individual information |
| CN103208064A (en) * | 2012-12-06 | 2013-07-17 | 浙江大学 | Online short-range payment method |
| CN103246977A (en) * | 2013-04-28 | 2013-08-14 | 深圳创维－Rgb电子有限公司 | Method for sending and receiving TV payment information |
| US20150120574A1 (en) * | 2013-10-30 | 2015-04-30 | Tencent Technology (Shenzhen) Company Limited | Information transmission method, apparatus and system |
| US20150120573A1 (en) * | 2013-10-31 | 2015-04-30 | Tencent Technology (Shenzhen) Company Limited | Information processing method, device and system |
| WO2015062232A1 (en) * | 2013-10-30 | 2015-05-07 | Tencent Technology (Shenzhen) Company Limited | Information transmission method, apparatus and system |
| CN104852966A (en) * | 2015-04-21 | 2015-08-19 | 小米科技有限责任公司 | Numerical value transfer method, terminal and cloud server |
| US11972428B2 (en) | 2013-10-30 | 2024-04-30 | Tencent Technology (Shenzhen) Company Limited | Information transmission method, apparatus and system |
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- 2004-01-08 CN CN 200410000169 patent/CN1641653A/en active Pending
Cited By (13)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103208064A (en) * | 2012-12-06 | 2013-07-17 | 浙江大学 | Online short-range payment method |
| CN103106634A (en) * | 2012-12-26 | 2013-05-15 | 上海合合信息科技发展有限公司 | Method and system for protecting bank card individual information |
| CN103246977A (en) * | 2013-04-28 | 2013-08-14 | 深圳创维－Rgb电子有限公司 | Method for sending and receiving TV payment information |
| US10977650B2 (en) * | 2013-10-30 | 2021-04-13 | Tencent Technology (Shenzhen) Company Limited | Information transmission method, apparatus and system |
| US20150120574A1 (en) * | 2013-10-30 | 2015-04-30 | Tencent Technology (Shenzhen) Company Limited | Information transmission method, apparatus and system |
| WO2015062232A1 (en) * | 2013-10-30 | 2015-05-07 | Tencent Technology (Shenzhen) Company Limited | Information transmission method, apparatus and system |
| US11972428B2 (en) | 2013-10-30 | 2024-04-30 | Tencent Technology (Shenzhen) Company Limited | Information transmission method, apparatus and system |
| US20150120573A1 (en) * | 2013-10-31 | 2015-04-30 | Tencent Technology (Shenzhen) Company Limited | Information processing method, device and system |
| CN104852966A (en) * | 2015-04-21 | 2015-08-19 | 小米科技有限责任公司 | Numerical value transfer method, terminal and cloud server |
| RU2644076C1 (en) * | 2015-04-21 | 2018-02-07 | Сяоми Инк. | Method of transmission numerical values, terminal and cloud server |
| CN104852966B (en) * | 2015-04-21 | 2019-04-12 | 小米科技有限责任公司 | Numeric value transfer, terminal and cloud server |
| KR20160135696A (en) * | 2015-04-21 | 2016-11-28 | 시아오미 아이엔씨. | Numerical value transfer method, terminal and cloud server |
| WO2016169269A1 (en) * | 2015-04-21 | 2016-10-27 | 小米科技有限责任公司 | Value transfer method, terminal, and cloud server |
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