TWI681346B - Mobile terminal payment method - Google Patents
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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
- G06Q20/30—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
- G06Q20/326—Payment applications installed on the mobile devices
- G06Q20/3263—Payment applications installed on the mobile devices characterised by activation or deactivation of payment capabilities
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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
- G06Q20/30—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
- G06Q20/3278—RFID or NFC payments by means of M-devices
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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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
Abstract
一種移動終端支付方法，包括：註冊環節，包括：用戶持移動終端向後臺系統註冊，後臺系統向移動終端下發唯一令牌；移動終端與後臺系統交互，後臺系統為用戶綁定對應於唯一令牌的多個支付卡；設置環節，包括：用戶針對不同交易類型和/或商戶類別分別選擇至少一支付卡作為默認卡；以及交易環節，包括：移動終端與支付受理終端進行交互，支付受理終端將交易數據上送後臺系統；後臺系統根據唯一令牌以及交易類型碼和/或商戶類別碼確定相應的默認卡；以及後臺系統基於交易數據向所確定的各默認卡的髮卡機構提交支付請求。其支持用戶針對不同交易類型、不同商戶類別甚至不同交易類型與商戶類別的組合，分別設置多個默認卡，能夠帶來優秀的用戶體驗。 A mobile terminal payment method, including: a registration link, including: a user holding a mobile terminal to register with a background system, the background system issues a unique token to the mobile terminal; the mobile terminal interacts with the background system, and the background system binds the user to a unique order Multiple payment cards of the brand; the setting link includes: the user selects at least one payment card as the default card for different transaction types and/or merchant categories; and the transaction link includes: the mobile terminal interacts with the payment acceptance terminal and the payment acceptance terminal Send the transaction data to the back-end system; the back-end system determines the corresponding default card based on the unique token and the transaction type code and/or merchant category code; and the back-end system submits a payment request to the determined card issuer of each default card based on the transaction data . It supports users to set multiple default cards for different transaction types, different merchant categories, or even combinations of different transaction types and merchant categories, which can bring an excellent user experience.
Description
本發明涉及電子支付技術領域，更具體地說，涉及一種移動終端支付方法。 The present invention relates to the field of electronic payment technology, and more specifically, to a mobile terminal payment method.
在電子支付已逐漸成為主流支付方式的今天，支付的安全與方便都是用戶以及商戶關注的焦點。 Now that electronic payment has gradually become the mainstream payment method, the safety and convenience of payment are the focus of users and merchants.
現有技術中，在現場非接支付過程中首先需要點亮手機，如果支持多賬戶支付，需要通過移動APP預先設定默認卡，作為後續每次支付的賬戶，而修改默認卡需要進入APP界面重新設置。現在熱點的APPLEPAY、HEC等手機支付產品，在默認卡設置方面功能單一、不區分商戶類型，且通常僅支持設置一張卡為默認卡，而不支持組合支付。 In the prior art, it is necessary to light up the mobile phone during the on-site non-receipt payment process. If multi-account payment is supported, the default card needs to be preset through the mobile APP as the account for each subsequent payment, and the default card needs to be modified to enter the APP interface to reset . At present, popular mobile payment products such as APPLEPAY and HEC have a single function in terms of default card settings and do not distinguish merchant types, and usually only support the setting of one card as the default card, and do not support combination payment.
因此，本領域技術人員期望獲得一種支持多個默認卡、並支持組合支付的移動終端支付方法。 Therefore, those skilled in the art expect to obtain a mobile terminal payment method that supports multiple default cards and supports combined payment.
本發明的目的在於提供一種移動終端支付方 法，其能夠對現有的手機支付產品進行優化。 The object of the present invention is to provide a mobile terminal payer Method, which can optimize existing mobile payment products.
為實現上述目的，本發明提供一種技術方案如下：一種移動終端支付方法，包括：註冊環節，包括如下步驟：a)、用戶持移動終端向後臺系統註冊，後臺系統向移動終端下發唯一令牌；b)、移動終端與後臺系統交互，後臺系統為用戶綁定對應於唯一令牌的多個支付卡；設置環節，包括如下步驟：c)、用戶針對不同交易類型和/或商戶類別分別選擇至少一支付卡作為默認卡，並由移動終端上報後臺系統；以及交易環節，包括如下步驟：d)、移動終端與支付受理終端進行交互，支付受理終端將交易數據上送後臺系統；其中，交易數據至少包括移動終端的唯一令牌以及交易類型碼和/或商戶類別碼；e)、後臺系統根據唯一令牌以及交易類型碼和/或商戶類別碼確定相應的默認卡；以及f)、後臺系統基於交易數據向所確定的各默認卡的發卡機構提交支付請求，以完成交易。 To achieve the above objective, the present invention provides a technical solution as follows: A mobile terminal payment method, including: a registration link, including the following steps: a), the user holds the mobile terminal to register with the background system, and the background system issues a unique token to the mobile terminal ; B). The mobile terminal interacts with the back-end system. The back-end system binds multiple payment cards corresponding to a unique token to the user; the setup link includes the following steps: c). The user selects for different transaction types and/or merchant categories. At least one payment card serves as the default card and is reported to the back-end system by the mobile terminal; and the transaction link includes the following steps: d). The mobile terminal interacts with the payment acceptance terminal, and the payment acceptance terminal sends the transaction data to the back-end system; wherein, The transaction data includes at least the unique token of the mobile terminal and the transaction type code and/or merchant category code; e), the background system determines the corresponding default card according to the unique token and the transaction type code and/or merchant category code; and f), The background system submits a payment request to the determined card issuer of each default card based on the transaction data to complete the transaction.
優選地，在步驟c)之後、步驟d)之前，還包括步驟s)：用戶與後臺系統交互來設置支付規則，其中支付規則定義在不同交易類型下各默認卡的支付優先級/或支付比例；相應地，在步驟e)之後、步驟f)之前，還包括步驟t)：後臺系統基於用戶所設置的支付規則，確定各默認卡的支付優先級/或支付比例；相應地，步驟f)具體包括：後臺系統基於交易數據、支付規則向所確定的各默認卡的發卡機構提交支付請求，以完成交易。 Preferably, after step c) and before step d), step s) is also included: the user interacts with the background system to set a payment rule, where the payment rule defines the payment priority and/or payment ratio of each default card under different transaction types ; Correspondingly, after step e) and before step f), it also includes step t): the background system determines the payment priority and/or payment ratio of each default card based on the payment rules set by the user; accordingly, step f) Specifically, the background system submits a payment request to the determined card issuer of each default card based on the transaction data and payment rules to complete the transaction.
優選地，交易類型為M類，商戶類別為N類，其中M、N為正整數，步驟c)具體包括：用戶針對交易類型與商戶類別形成的每一組合，分別選擇至少一支付卡作為默認卡，並由移動終端上報後臺系統。 Preferably, the transaction type is M type, and the merchant type is N type, where M and N are positive integers. Step c) specifically includes: the user selects at least one payment card as the default for each combination formed by the transaction type and the merchant type Card, and reported to the background system by the mobile terminal.
本發明各實施例所提供的移動終端支付方法，支持用戶針對不同交易類型、不同商戶類別甚至不同交易類型與商戶類別的組合，分別設置多個默認卡，使得在進行消費時，用戶能夠根據自己的意願而選用最適合的支付方式；且一旦設置完成，即可在各種消費場景下快速進行支付，而無需進入APP界面適時更改。相比於現有的手機支付產品，本發明能夠帶來優秀的用戶體驗。 The mobile terminal payment methods provided by the embodiments of the present invention support users to set multiple default cards for different transaction types, different merchant categories, or even combinations of different transaction types and merchant categories, so that when consuming, the user can according to their own Choose the most suitable payment method; and once the setting is completed, you can quickly pay in various consumption scenarios without having to enter the APP interface to make timely changes. Compared with existing mobile payment products, the present invention can bring an excellent user experience.
S10~S15‧‧‧步驟 S10~S15‧‧‧Step
S20~S27‧‧‧步驟 S20~S27‧‧‧Step
S30~S35‧‧‧步驟 S30~S35‧‧‧Step
圖1示出本發明第一實施例提供的移動終端支付方法的流程示意圖。 FIG. 1 is a schematic flowchart of a mobile terminal payment method according to a first embodiment of the present invention.
圖2示出本發明第二實施例提供的移動終端支付方法的流程示意圖。 FIG. 2 shows a schematic flowchart of a mobile terminal payment method according to a second embodiment of the present invention.
圖3示出本發明第三實施例提供的移動終端支付方法的流程示意圖。 FIG. 3 shows a schematic flowchart of a mobile terminal payment method according to a third embodiment of the present invention.
如圖1所示，本發明第一實施例提供一種移動終端支付方法，其包括三個環節：註冊環節、設置環節以及交易環節。 As shown in FIG. 1, the first embodiment of the present invention provides a mobile terminal payment method, which includes three links: a registration link, a setting link, and a transaction link.
其中，註冊環節包括如下兩個步驟： Among them, the registration process includes the following two steps:
步驟S10、用戶持移動終端向後臺系統註冊，後臺系統向移動終端下發唯一令牌。 Step S10: The user registers with the background system with the mobile terminal, and the background system issues a unique token to the mobile terminal.
其中，唯一令牌用於唯一地確定用戶所持的移動終端。經註冊完成，後臺系統才對用戶所持的移動終端提供進一步的下述各種服務。 Among them, the unique token is used to uniquely determine the mobile terminal held by the user. After the registration is completed, the back-end system provides the following various services to the mobile terminal held by the user.
優選情況下，後臺系統部署於雲計算平臺，從而可以便於用戶在不同地點實現快速註冊及設置，也便於後臺系統的升級與維護。 Preferably, the background system is deployed on the cloud computing platform, which can facilitate users to quickly register and set up in different locations, and also facilitate the upgrade and maintenance of the background system.
步驟S11、移動終端與後臺系統交互，後臺系統為用戶綁定對應於唯一令牌的多個支付卡。 Step S11: The mobile terminal interacts with the back-end system, and the back-end system binds multiple payment cards corresponding to the unique token to the user.
其中，每一註冊用戶都可以向後臺系統登記多張支付卡，而後續的每次交易都將從這多張支付卡中選擇一張或多張來進行支付。用戶也可以向後臺系統請求取消或更改任一支付卡。後臺系統將這多張支付卡與用戶的唯一令牌進行綁定。 Among them, each registered user can register multiple payment cards with the back-end system, and each subsequent transaction will select one or more of the multiple payment cards for payment. The user can also request to cancel or change any payment card from the background system. The back-end system binds these multiple payment cards with the user's unique token.
設置環節包括如下步驟： The setup process includes the following steps:
步驟S12、用戶針對不同交易類型或商戶類別分別選擇至少一支付卡作為默認卡，並由移動終端上報後臺系統。 Step S12: The user selects at least one payment card as the default card for different transaction types or merchant categories, and the mobile terminal reports to the back-end system.
在該步驟中，後臺系統可以定義不同的交易類型，用戶的移動終端向用戶彈出第一設置界面，供用戶針對這些不同的交易類型來分別選擇至少一張支付卡作為默認卡。備選地，後臺系統也可以定義不同的商戶類別， 用戶的移動終端向用戶彈出第二設置界面，供用戶針對這些不同的商戶類別來分別選擇至少一張支付卡作為默認卡。用戶設置好默認卡後，移動終端將設置結果上報後臺系統，後臺系統可以將每一用戶各自的設置結果存儲於數據庫中。 In this step, the background system can define different transaction types, and the user's mobile terminal pops up the first setting interface to the user for the user to select at least one payment card as the default card for these different transaction types. Alternatively, the background system can also define different merchant categories, The user's mobile terminal pops up the second setting interface to the user, for the user to select at least one payment card as the default card for these different merchant categories. After the user sets the default card, the mobile terminal reports the setting result to the background system, and the background system can store the setting result of each user in the database.
具體地，移動終端內設有NFC通信芯片；可以採用主機卡模擬技術(HCE技術)來設置各默認卡，從而將默認卡存放於移動終端中。在實際交易時，用戶持移動終端靠近支付受理終端，支付受理終端即可經近場通信方式感知到默認卡。 Specifically, an NFC communication chip is provided in the mobile terminal; each default card can be set using a host card emulation technology (HCE technology), so that the default card is stored in the mobile terminal. During the actual transaction, the user holds the mobile terminal close to the payment acceptance terminal, and the payment acceptance terminal can perceive the default card via the near field communication method.
交易環節包括如下三個步驟： The transaction process includes the following three steps:
步驟S13、移動終端與支付受理終端進行交互，支付受理終端將交易數據上送後臺系統。 Step S13: The mobile terminal interacts with the payment acceptance terminal, and the payment acceptance terminal sends the transaction data to the background system.
其中，交易數據至少包括移動終端的唯一令牌以及交易類型碼或商戶類別碼。具體地，在用戶針對交易類型設置默認卡時，交易數據應包括交易類型碼；在用戶針對商戶類別設置默認卡時，交易數據應包括商戶類別碼(MCC)。交易數據還一般地包括交易雙方信息、交易地點、時間以及交易金額、用戶購買的商品/服務的標識信息。 The transaction data includes at least the unique token of the mobile terminal and the transaction type code or merchant category code. Specifically, when the user sets the default card for the transaction type, the transaction data should include the transaction type code; when the user sets the default card for the merchant category, the transaction data should include the merchant category code (MCC). The transaction data also generally includes information on both parties to the transaction, transaction location, time and transaction amount, and identification information of the goods/services purchased by the user.
需要說明的是，在本發明各實施例中，每筆交易都有具體的交易類型：如消費、預授權等，可以通過交易類型碼來標識。對每個商戶也能夠分配商戶類別碼，進而將商戶分類為，例如商場商戶、網上商戶、銀行商 戶、公共事業費商戶等。 It should be noted that, in each embodiment of the present invention, each transaction has a specific transaction type: such as consumption, pre-authorization, etc., which can be identified by the transaction type code. It is also possible to assign a merchant category code to each merchant, and then classify the merchants as, for example, mall merchants, online merchants, bank merchants Households, public utility fee merchants, etc.
步驟S14、後臺系統根據唯一令牌以及交易類型碼或商戶類別碼確定相應的默認卡。 Step S14. The back-end system determines the corresponding default card according to the unique token and the transaction type code or merchant category code.
該步驟中，唯一令牌能夠唯一地確定用戶所持的移動終端，後臺系統從數據庫中查找該移動終端針對該交易類型(或針對該商戶類別)所設置的默認卡(在前述步驟S12中已設置完成)。 In this step, the unique token can uniquely determine the mobile terminal held by the user, and the background system searches the database for the default card set by the mobile terminal for the transaction type (or for the merchant category) (already set in the aforementioned step S12) carry out).
步驟S15、後臺系統基於交易數據向所確定的各默認卡的發卡機構提交支付請求，以完成交易。 Step S15. The background system submits a payment request to the determined card issuer of each default card based on the transaction data to complete the transaction.
具體地，後臺系統基於交易數據(包括交易金額、交易雙方信息)向在前述步驟S14中確定的各默認卡的發卡機構提交支付請求，實現資金流轉，完成交易。 Specifically, the background system submits a payment request to the card issuer of each default card determined in the foregoing step S14 based on the transaction data (including the transaction amount and information of both parties to the transaction) to realize the flow of funds and complete the transaction.
雖然上述實施例提供的移動終端支付方法例示為包括註冊環節、設置環節和交易環節，但是根據本發明的思想，如下的移動終端支付方法也是明顯可以預見的： A、在最初完成一次註冊及設置環節後，用戶後續的每次交易均不再需要進入註冊或設置環節，而直接進行交易環節即可； B、在交易的任何步驟或階段，用戶都可以暫停實際支付，而調用設置環節來重新設置其喜好的默認卡以及支付規則，在設置完成後，再繼續完成實際支付。 Although the mobile terminal payment method provided in the above embodiment is exemplified as including a registration link, a setting link and a transaction link, according to the idea of the present invention, the following mobile terminal payment methods are also clearly foreseeable: A. After completing the initial registration and setting up process, the user will no longer need to enter the registration or setting up process for each subsequent transaction, but just go directly to the transaction process; B. At any step or stage of the transaction, the user can suspend the actual payment, and call the setting link to reset the default card and payment rules of their preference. After the setting is completed, continue to complete the actual payment.
上述第一實施例支持用戶針對不同交易類型或不同商戶類別，分別設置多個默認卡，使得在進行消費 時，用戶能夠根據自己的意願而選用最適合的支付方式。且一旦設置好默認卡，用戶在各種消費場景下都可以快速支付。這種方法相比於現有的手機支付方法，能夠帶來優秀的用戶體驗。 The first embodiment described above supports the user to set multiple default cards for different transaction types or different merchant categories, so that consumption is in progress At this time, users can choose the most suitable payment method according to their wishes. And once the default card is set, users can quickly pay in various consumption scenarios. Compared with existing mobile payment methods, this method can bring an excellent user experience.
如圖2所示，本發明第二實施例提供另一移動終端支付方法，其同樣包括註冊環節、設置環節以及交易環節。與上述第一實施例相比，其中設置環節以及交易環節的具體實現有所不同。 As shown in FIG. 2, the second embodiment of the present invention provides another mobile terminal payment method, which also includes a registration link, a setting link, and a transaction link. Compared with the first embodiment described above, the specific implementation of the setting link and the transaction link is different.
具體地，註冊環節包括步驟S20和步驟S21。 Specifically, the registration link includes step S20 and step S21.
在步驟S20中，用戶持移動終端向後臺系統註冊，後臺系統向移動終端下發唯一令牌。在步驟S21中，移動終端與後臺系統交互，後臺系統為用戶綁定對應於唯一令牌的多個支付卡。 In step S20, the user registers with the background system with the mobile terminal, and the background system issues a unique token to the mobile terminal. In step S21, the mobile terminal interacts with the back-end system, and the back-end system binds multiple payment cards corresponding to the unique token to the user.
設置環節包括步驟S22和步驟S23。 The setting link includes step S22 and step S23.
在步驟S22中，用戶針對不同交易類型或商戶類別分別選擇至少一支付卡作為默認卡，並由移動終端上報後臺系統。在步驟S23中，用戶與後臺系統交互來設置支付規則。其中，支付規則可以定義在不同交易類型下各默認卡的支付優先級，也可以定義多張默認卡共同支付同一筆費用所對應的支付比例。 In step S22, the user selects at least one payment card as the default card for different transaction types or merchant categories, and the mobile terminal reports to the background system. In step S23, the user interacts with the background system to set payment rules. Among them, the payment rule can define the payment priority of each default card under different transaction types, and can also define the payment proportion corresponding to multiple default cards paying the same fee together.
通過設置各默認卡的支付優先級和/或支付比例，可以實現，例如，如先用儲值卡支付，剩餘金額用招商信用卡支付(組合方式)；再如：先用招商信用卡支付，如金額不足本次僅使用農行信用卡支付(切換方 式)；也可以拓展到使用招商信用卡和農行信用卡各支付50%等方式。 By setting the payment priority and/or payment ratio of each default card, it can be achieved, for example, if the stored-value card is used first, and the remaining amount is paid with the China Merchants Credit Card (combined method); Less than this time, only use Agricultural Bank credit card payment (switch side Type); it can also be expanded to use the China Merchants Credit Card and the Agricultural Bank Credit Card to pay 50% each.
交易環節包括步驟S24、S25、S26及S27。 The transaction link includes steps S24, S25, S26 and S27.
在步驟S24中，移動終端與支付受理終端進行交互，支付受理終端將交易數據上送後臺系統。其中，交易數據至少包括移動終端的唯一令牌以及交易類型碼或商戶類別碼。交易數據也一般地包括交易雙方信息、交易地點、時間以及交易金額、用戶購買的商品/服務的標識信息。 In step S24, the mobile terminal interacts with the payment acceptance terminal, and the payment acceptance terminal sends the transaction data to the background system. The transaction data includes at least the unique token of the mobile terminal and the transaction type code or merchant category code. The transaction data also generally includes information on both parties to the transaction, transaction location, time and transaction amount, and identification information of the goods/services purchased by the user.
在步驟S25中，後臺系統根據唯一令牌以及交易類型碼或商戶類別碼確定相應的默認卡。 In step S25, the background system determines the corresponding default card according to the unique token and the transaction type code or merchant category code.
在步驟S26中，後臺系統基於用戶所設置的支付規則，確定各默認卡的支付優先級和/或支付比例。 In step S26, the background system determines the payment priority and/or payment ratio of each default card based on the payment rules set by the user.
具體地，根據用戶在步驟S23中設置的支付規則，例如，後臺系統可以確定用戶想要優先使用第一默認卡支付，而對第一支付卡不足支付的金額，則交由第二默認卡支付。又例如，後臺系統可以確定用戶想使用第一默認卡支付50%，使用第二默認卡支付另外的50%。諸如此類。 Specifically, according to the payment rule set by the user in step S23, for example, the back-end system may determine that the user wants to use the first default card for priority payment, and the second default card pays for the insufficient payment amount for the first payment card . For another example, the background system may determine that the user wants to use the first default card to pay 50% and the second default card to pay another 50%. And so on.
在步驟S27中，後臺系統基於交易數據、支付規則向所確定的各默認卡的發卡機構提交支付請求，以完成交易。 In step S27, the background system submits a payment request to the determined card issuer of each default card based on the transaction data and payment rules to complete the transaction.
該步驟中，後臺系統從當前筆交易的交易數據以及支付規則，能夠確定一種特定的支付方案，該支付 方案例如包括，從儲值卡(第一默認卡)支付第一部分金額，再從信用卡(第二默認卡)支付第二部分金額，最後從貸記卡(第三默認卡)支付剩餘的金額。 In this step, the back-end system can determine a specific payment scheme from the transaction data and payment rules of the current transaction. The payment The scheme includes, for example, paying the first part of the amount from the stored value card (first default card), then paying the second part of the amount from the credit card (second default card), and finally paying the remaining amount from the credit card (third default card).
該第二實施例提供的移動終端支付方法，使得用戶在進行消費時，不僅能夠設置多張默認卡，還可以進一步細化或定制自己喜好的支付方式。 The mobile terminal payment method provided by the second embodiment enables the user to not only set multiple default cards when making a consumption, but also further refine or customize his preferred payment method.
本發明第三實施例提供的移動終端支付方法是對上述第一實施例進行改進而得到的。 The mobile terminal payment method provided by the third embodiment of the present invention is obtained by improving the above-mentioned first embodiment.
具體來說，如圖3所示，其包括如下步驟： Specifically, as shown in Figure 3, it includes the following steps:
步驟S30、用戶持移動終端向後臺系統註冊，後臺系統向移動終端下發唯一令牌。 Step S30, the user registers with the background system with the mobile terminal, and the background system issues a unique token to the mobile terminal.
步驟S31、移動終端與後臺系統交互，後臺系統為用戶綁定對應於唯一令牌的多個支付卡。 Step S31: The mobile terminal interacts with the back-end system, and the back-end system binds multiple payment cards corresponding to the unique token to the user.
步驟S32、用戶針對不同交易類型與商戶類別的每一組合，分別選擇至少一支付卡作為默認卡，並由移動終端上報後臺系統。 Step S32: The user selects at least one payment card as the default card for each combination of different transaction types and merchant categories, and the mobile terminal reports to the back-end system.
步驟S33、移動終端與支付受理終端進行交互，支付受理終端將交易數據上送後臺系統。 Step S33: The mobile terminal interacts with the payment acceptance terminal, and the payment acceptance terminal sends the transaction data to the background system.
步驟S34、後臺系統根據唯一令牌以及交易類型碼、商戶類別碼確定相應的默認卡。 Step S34. The background system determines the corresponding default card according to the unique token, the transaction type code, and the merchant category code.
步驟S35、後臺系統基於交易數據向所確定的各默認卡的發卡機構提交支付請求，以完成交易。 Step S35. The background system submits a payment request to the determined card issuer of each default card based on the transaction data to complete the transaction.
為盡可能使得用戶能針對各種不同的消費場景，來選用自己設置的默認卡、或自己喜好的支付規則， 為此，上述第三實施例考慮了各種不同交易類型(例如M類，M為正整數)以及各種不同商戶類別(例如N類，N為正整數)，並根據交易類型與商戶類別的每一組合(共MN種組合)，分別設置默認卡，也可進一步設置支付規則。 In order to enable users to choose the default card or their favorite payment rules for different consumption scenarios as much as possible, For this reason, the above third embodiment considers various transaction types (such as M type, M is a positive integer) and various merchant categories (such as N type, N is a positive integer), and according to each of the transaction type and the merchant category Combination (a total of MN combinations), set the default card separately, and further set payment rules.
該第三實施例適合針對多種消費場景快速支付，而無需再進入APP界面適時設置或更改。 This third embodiment is suitable for rapid payment for multiple consumption scenarios without having to enter the APP interface to set or change in time.
類似地，在交易的任何步驟或階段，用戶都可以暫停實際支付，而調用設置環節來重新設置其喜好的默認卡以及支付規則，在設置完成後，再繼續完成實際支付。 Similarly, at any step or stage of the transaction, the user can suspend the actual payment, and call the setting link to reset the default card and payment rules that he likes, and after the setting is complete, continue to complete the actual payment.
上述說明僅針對於本發明的優選實施例，並不在於限制本發明的保護範圍。本領域技術人員可作出各種變形設計，而不脫離本發明的思想及附隨的權利要求。 The above description is only for the preferred embodiments of the present invention, and is not intended to limit the protection scope of the present invention. Those skilled in the art can make various modified designs without departing from the idea of the present invention and the accompanying claims.
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