WO2013078898A1 - Procédé de paiement en ligne et dispositif correspondant - Google Patents

Procédé de paiement en ligne et dispositif correspondant Download PDF

Info

Publication number
WO2013078898A1
WO2013078898A1 PCT/CN2012/081231 CN2012081231W WO2013078898A1 WO 2013078898 A1 WO2013078898 A1 WO 2013078898A1 CN 2012081231 W CN2012081231 W CN 2012081231W WO 2013078898 A1 WO2013078898 A1 WO 2013078898A1
Authority
WO
WIPO (PCT)
Prior art keywords
information
payment
commodity
account
barcode
Prior art date
Application number
PCT/CN2012/081231
Other languages
English (en)
Chinese (zh)
Inventor
王亚辉
Original Assignee
惠州Tcl移动通信有限公司
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 惠州Tcl移动通信有限公司 filed Critical 惠州Tcl移动通信有限公司
Publication of WO2013078898A1 publication Critical patent/WO2013078898A1/fr

Links

Images

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems

Definitions

  • the present invention relates to the field of computer communications, and in particular, to an online payment method and corresponding device.
  • the POS machine is the most common payment device, which popularizes card consumption, facilitates consumer payment, and increases consumer security.
  • POS machines also have limitations. For example, they can only pay by manually entering the price, which is easy to make mistakes; the POS machine's mobile line is poor and cannot be used with it; these limitations of the POS machine also lead to payment methods and payment use. Limitations of scope.
  • the technical problem to be solved by the present invention is to provide an online payment method, and also provide a corresponding device, which can make payment more convenient, flexible and intelligent.
  • An online payment method which includes:
  • the total price payable, the account information, and the preset local merchant account information are sent to the payment platform for payment.
  • the method further includes:
  • the method further includes:
  • the item information table includes the item name, the lot number of the item, and/or the place of origin.
  • Provide an online payment method including:
  • the total price payable, the account information, and the preset local merchant account information are sent to the payment platform for payment.
  • the step of obtaining barcode information of the commodity includes:
  • the bar code information of the product is decoded according to the picture information.
  • step of obtaining bar code information of the product further includes:
  • the method further includes:
  • the password is sent to the payment platform for verification.
  • the method further includes:
  • the product information table includes the product name, the batch number of the product, and/or the place of origin.
  • Provide an online payment device that includes:
  • a first obtaining module configured to obtain barcode information of the commodity
  • a baseband processing chip configured to acquire, according to barcode information acquired by the first obtaining module, a corresponding price from a commodity information table set in advance, where the commodity information table includes barcode information and a corresponding price, and according to the price Calculate the total price payable;
  • An NFC module for obtaining account information of a consumer
  • the radio frequency module is configured to send the total price payable, the account information, and a preset local merchant account to the payment platform for payment.
  • the first obtaining module includes:
  • a shooting unit for taking picture information of a product barcode
  • a decoding unit configured to decode barcode information of the commodity according to the picture information captured by the shooting unit.
  • the baseband processing chip is further used to update a commodity information table that is preset in the local.
  • the device further includes:
  • a keyboard for receiving a password of the account entered by a consumer
  • the radio frequency module is further configured to:
  • the device further includes:
  • LCD display for displaying the price corresponding to the barcode information.
  • the item information table includes the item name, the lot number of the item, and/or the place of origin.
  • the NFC module is further configured to read the smart IC card information of the consumer and send the information to the baseband processing chip, where the smart IC card information includes at least the account information of the consumer.
  • the baseband processing chip is further configured to receive the smart IC card information sent by the NFC module, and send the smart IC card information to the radio frequency module.
  • the present invention obtains the corresponding price by the bar code information of the obtained commodity, and calculates the total price payable according to the price, and then the total price payable, the obtained consumer account information, and The merchant account information is sent to the payment platform for payment; the method greatly increases the mobile device's mobile range, realizes payment at any time and any place, and does not need a peripheral peripheral scanner to scan the commodity barcode, so that the payment is more convenient and flexible. And smart.
  • FIG. 1 is a data flow diagram of an embodiment of an online payment method of the present invention
  • FIG. 2 is a schematic diagram showing the logical structure of an embodiment of an online payment device of the present invention.
  • an embodiment of the online payment method of the present invention includes the following steps:
  • An online payment device such as a mobile terminal such as a mobile phone or a PDA, first obtains bar code information of the product, and the specific information can be obtained by a photographing device or a scanning device, and no limitation is imposed here;
  • the barcode information of the product is decoded according to the image information
  • a product information table is preset in the device, and the product information table includes bar code information and a corresponding price, and may also include information such as a product name, a batch number of the product, a place of origin, and the like, and is not limited herein;
  • the commodity information table can be as shown in Table 1:
  • Finding the corresponding price from the commodity information table according to the obtained barcode information Specifically, if the acquired barcode information is 256333, the corresponding price is 1 yuan from the commodity information table;
  • step 102 After obtaining the price of the commodity in step 102, calculating the total price payable according to the price of each commodity;
  • the account information of the consumer is obtained.
  • the smart IC card information of the consumer can be read through the near field communication module built in the device, or the bank magnetic card built in the device is used.
  • the card swipe module reads the consumer's bank card information, and there is no restriction here;
  • the calculated total price payable, the account information of the consumer, and the merchant account information preset in the local are sent to the payment platform for payment.
  • the online payment method of the present invention further includes the following steps:
  • the payment platform After the payment platform confirms the account of the consumer and the merchant, the payment platform returns a message that needs to input the password of the account of the consumer, and after receiving the message, the online payment device prompts to input the password of the account of the consumer;
  • the online payment device After receiving the password of the account entered by the consumer, the online payment device sends the password to the payment platform for password verification. If the password verification is successful, the message that the payment is successful is returned. If the password is incorrect or an error occurs during the payment process, the payment is not caused. If successful, return the message that the payment failed;
  • the corresponding price is obtained by the barcode information of the obtained commodity, and the total price payable is calculated according to the price, and then the total price payable, the obtained consumer account information, and the merchant account information are sent to the payment platform for payment; the method is increased.
  • the mobile device's mobile range enables consumer payment anywhere, anytime, and eliminates the need for a peripheral scanner to scan commodity barcodes, making payments more convenient, flexible, and intelligent.
  • an embodiment of the online payment device of the present invention includes:
  • a first obtaining module configured to obtain barcode information of the commodity
  • the first obtaining module includes:
  • the camera 201 is used to capture the picture information of the product barcode, and then sent to the baseband processing chip 204;
  • the decoding unit 202 is configured to decode the picture information of the commodity barcode sent by the baseband processing chip 204, obtain the barcode information of the commodity, and then return to the baseband processing chip 204;
  • the baseband processing chip 204 is configured to send the picture information of the commodity barcode sent by the camera 201 to the decoding unit 202 for processing; and receive the barcode information of the commodity returned by the decoding unit 202, according to the barcode information in the preset commodity information table. Obtain the corresponding price;
  • the NFC module 206 is configured to read the smart IC card information of the consumer, and send the information to the baseband processing chip 204, where the smart IC card information includes at least account information;
  • the baseband processing chip 204 is further configured to receive the smart IC card information of the consumer sent by the NFC module 206, and send the smart IC card information and the account information of the preset local merchant to the radio frequency module 205;
  • the radio frequency module 205 is configured to receive the smart IC card information sent by the baseband processing chip 204 and the account information of the preset local merchant, and send the information to the relevant payment platform for payment;
  • the liquid crystal display 203 is configured to display the price corresponding to the barcode information, and can also display other information that needs to be displayed, and is not limited herein;
  • the keyboard 207 is used for inputting the account password of the consumer, and can also input other necessary information, and there is no limitation here;
  • the radio frequency module 205 is further configured to send the password received by the keyboard 207 to the payment platform for verification;
  • the online payment device in this embodiment may be a portable mobile terminal such as a mobile phone or a PDA;
  • the barcode is obtained by acquiring barcode information of the commodity, and the price, the obtained consumer account information, and the merchant account information are sent to the payment platform for payment; the method greatly increases the movement range of the payment device. Realize payment anywhere, anytime, and no longer need a peripheral scanner to scan commodity barcodes, making payment more convenient, flexible and intelligent.

Abstract

L'invention concerne un procédé de paiement en ligne et un dispositif correspondant. Selon l'invention, un prix correspondant est acquis au moyen des informations de codes-barres des biens acquis, un prix total à payer est calculé conformément au prix, puis le prix total à payer, les informations acquises sur le compte client et les informations acquises sur le compte commerçant sont envoyés à une plate-forme de paiement pour le paiement. Conformément au procédé, la plage mobile du dispositif de paiement est considérablement augmentée, la consommation et le paiement peuvent être réalisés à tout moment et n'importe où, et aucun scanner ne doit être disposé à l'extérieur pour scanner les codes-barres des biens, ce qui rend le paiement plus pratique, plus flexible et plus intelligent.
PCT/CN2012/081231 2011-12-02 2012-09-11 Procédé de paiement en ligne et dispositif correspondant WO2013078898A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
CN2011103963360A CN102542443A (zh) 2011-12-02 2011-12-02 一种在线支付方法及相应的设备
CN201110396336.0 2011-12-02

Publications (1)

Publication Number Publication Date
WO2013078898A1 true WO2013078898A1 (fr) 2013-06-06

Family

ID=46349281

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/CN2012/081231 WO2013078898A1 (fr) 2011-12-02 2012-09-11 Procédé de paiement en ligne et dispositif correspondant

Country Status (2)

Country Link
CN (1) CN102542443A (fr)
WO (1) WO2013078898A1 (fr)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2016016876A1 (fr) 2014-08-01 2016-02-04 Sibs - Sgps, S.A. Système et procédé de traitement de transactions

Families Citing this family (10)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN102542443A (zh) * 2011-12-02 2012-07-04 惠州Tcl移动通信有限公司 一种在线支付方法及相应的设备
CN102930667A (zh) * 2012-10-30 2013-02-13 中国工商银行股份有限公司 一种信息处理方法和系统、智能终端
CN104063780B (zh) * 2013-03-18 2017-04-05 财付通支付科技有限公司 一种对处理对象进行处理的方法、装置及系统
CN105096110A (zh) * 2015-06-29 2015-11-25 惠州Tcl移动通信有限公司 一种移动终端的支付方法及移动终端
CN106845973B (zh) * 2015-12-03 2021-01-08 北京数码视讯科技股份有限公司 一种支付的方法、收款终端、支付平台，及系统
CN105512876A (zh) * 2015-12-25 2016-04-20 上海易码信息科技有限公司 金融卡支付结算方法
CN105631656A (zh) * 2015-12-25 2016-06-01 上海易码信息科技有限公司 线上有卡消费模式下的金融卡支付结算方法
CN105809429A (zh) * 2016-02-26 2016-07-27 上海易码信息科技有限公司 一种网上交易支付结算方法
CN105741099A (zh) * 2016-02-26 2016-07-06 上海易码信息科技有限公司 一种支付结算方法
CN108520447A (zh) * 2018-03-01 2018-09-11 阿里巴巴集团控股有限公司 商品结算方法及装置和电子设备

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6179206B1 (en) * 1998-12-07 2001-01-30 Fujitsu Limited Electronic shopping system having self-scanning price check and purchasing terminal
CN1841425A (zh) * 2005-03-31 2006-10-04 华为技术有限公司 移动终端购物方法及其系统
CN101976397A (zh) * 2010-11-16 2011-02-16 广东浚祥商务服务有限公司 订单支付一体化管理系统及其实现方法
CN102542443A (zh) * 2011-12-02 2012-07-04 惠州Tcl移动通信有限公司 一种在线支付方法及相应的设备

Family Cites Families (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20030069802A1 (en) * 2001-10-09 2003-04-10 Koninklijke Philips Electronics N.V. Tv shopping monitor and notification system
CN101546401A (zh) * 2008-03-28 2009-09-30 海尔集团公司 基于nfc移动终端的电子支付方法及系统
CN101859419A (zh) * 2009-04-08 2010-10-13 蒋斌 一种积分交易平台系统
CN102243740A (zh) * 2011-08-02 2011-11-16 马平 一种电子支付方法

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6179206B1 (en) * 1998-12-07 2001-01-30 Fujitsu Limited Electronic shopping system having self-scanning price check and purchasing terminal
CN1841425A (zh) * 2005-03-31 2006-10-04 华为技术有限公司 移动终端购物方法及其系统
CN101976397A (zh) * 2010-11-16 2011-02-16 广东浚祥商务服务有限公司 订单支付一体化管理系统及其实现方法
CN102542443A (zh) * 2011-12-02 2012-07-04 惠州Tcl移动通信有限公司 一种在线支付方法及相应的设备

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2016016876A1 (fr) 2014-08-01 2016-02-04 Sibs - Sgps, S.A. Système et procédé de traitement de transactions

Also Published As

Publication number Publication date
CN102542443A (zh) 2012-07-04

Similar Documents

Publication Publication Date Title
WO2013078898A1 (fr) Procédé de paiement en ligne et dispositif correspondant
WO2017222169A1 (fr) Procédé d'approbation de paiement effectué à l'aide d'une carte à puce, serveur de société à carte l'exécutant et carte à puce
WO2012159527A1 (fr) Terminal mobile et son procédé de décodage
WO2014137107A1 (fr) Système et procédé de paiement et de règlement à l'aide d'un code à barres
WO2017094998A1 (fr) Système d'authentification d'identité personnelle d'informations biométriques et procédé utilisant des informations de carte financière stockées dans un terminal de communication mobile
WO2016165201A1 (fr) Procédé et système de paiement en libre-service reposant sur un hôpital en réseau
CN103699861A (zh) 具有多个成像组件的编码信息读取终端
CN1870003A (zh) 基于生物测量的身份确认系统及电子结算系统
WO2016165177A1 (fr) Procédé et système de paiement en libre-service d'hôpital en réseau reposant sur la reconnaissance faciale
US20130029597A1 (en) Exchanging data based upon device proximity and credentials
WO2020077837A1 (fr) Procédé, appareil et dispositif de comptabilité de données de service, et support de stockage lisible par ordinateur
CN107292970A (zh) 一种电子票生成与验证方法及系统
JP2018107485A (ja) 認証設定システムおよび画像形成装置
WO2013147484A1 (fr) Système permettant d'utiliser des tickets de file d'attente et son procédé d'utilisation
WO2017012197A1 (fr) Méthode de coordination unifiée de centres d'examen hospitaliers en réseau et plate-forme hospitalière en réseau
WO2016165181A1 (fr) Procédé et système de paiement en libre-service d'un hôpital en réseau basés sur la reconnaissance d'empreintes digitales
WO2016165180A1 (fr) Procédé et système de paiement en libre-service basés sur un numéro d'enregistrement d'hôpital de réseau
EP3172638A1 (fr) Procédé de commande de l'écran d'un dispositif électronique, et dispositif électronique correspondant
WO2020171284A1 (fr) Système de lecteur de code à barres fonctionnant par authentification d'empreintes digitales d'utilisateur
WO2017142248A1 (fr) Unité de commande à distance de paiement destinée au paiement hors ligne, procédé de paiement hors ligne associé, et moyen d'enregistrement associé
CN116057636A (zh) 用于从医疗设备传输数据的方法以及医疗设备
WO2023113217A1 (fr) Code de paiement simple hétérogène comprenant un code à barres à haute densité utilisable pour plusieurs services de paiement simple et procédé de paiement simple correspondant
CN215450327U (zh) 一种医院业务自助办理设备
WO2012157893A2 (fr) Procédé de fourniture de services de transaction financière, dispositif de fourniture d'un service de transaction financière permettant la mise en œuvre dudit procédé et terminal de communication mobile
WO2021167154A1 (fr) Système de transfert d'informations de paiement utilisant un terminal mobile et procédé de transfert d'informations de paiement l'utilisant

Legal Events

Date Code Title Description
121 Ep: the epo has been informed by wipo that ep was designated in this application

Ref document number: 12852549

Country of ref document: EP

Kind code of ref document: A1

NENP Non-entry into the national phase

Ref country code: DE

122 Ep: pct application non-entry in european phase

Ref document number: 12852549

Country of ref document: EP

Kind code of ref document: A1