WO2017157148A1 - Collection system or method in payment - Google Patents

Collection system or method in payment Download PDF

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Publication number
WO2017157148A1
WO2017157148A1 PCT/CN2017/074462 CN2017074462W WO2017157148A1 WO 2017157148 A1 WO2017157148 A1 WO 2017157148A1 CN 2017074462 W CN2017074462 W CN 2017074462W WO 2017157148 A1 WO2017157148 A1 WO 2017157148A1
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WO
WIPO (PCT)
Prior art keywords
payment
user
collection
user account
payee
Prior art date
Application number
PCT/CN2017/074462
Other languages
French (fr)
Chinese (zh)
Inventor
任少华
Original Assignee
任少华
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Publication date
Application filed by 任少华 filed Critical 任少华
Publication of WO2017157148A1 publication Critical patent/WO2017157148A1/en

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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
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • 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
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • 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
    • G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
    • G07G1/00—Cash registers
    • G07G1/12—Cash registers electronically operated
    • G07G1/14—Systems including one or more distant stations co-operating with a central processing unit

Definitions

  • the present invention relates to a system or method for payment collection.
  • the first question is that there is no collection system on the client that users such as WeChat and Alipay can log in on different mobile phones.
  • the third party's terminal can not collect the payment for the payee and record and feedback the detailed generation. Receive information.
  • the merchant's payee is the merchant's boss, and the merchant and several clerk also collect the money for the merchant boss.
  • the current mobile payment payment method is that the merchant owner prints the QR code of his own payment account and distributes it to the clerk. Guests use their mobile phone to scan the QR code to pay. After the customer scans the code, only the guest and the boss's account will receive the payment voucher, and the clerk can only confirm the payment by checking the customer and the boss's mobile phone.
  • the problem is: the clerk can't ensure that the payment vouchers of the guest's mobile phone are real, the clerk usually can't see the boss's mobile phone, and the boss can't distinguish which clerk receives or sells each payment.
  • the payer cannot generate a different two-dimensional code for each payment to distinguish each payment information.
  • the current method is that customers scan the same QR code, and then the customer inputs the specific amount of payment.
  • the payment certificate received by the customer and the merchant only has the amount and the payment.
  • the payer or payer does not have information corresponding to the specific content of the payment transaction (such as the specific information of the item purchased by the customer).
  • POS-based systems can only be used for a large-scale company (such as SF), and software such as WeChat and Alipay. Ordinary users can log in to different clients and have no collection system or collection function on the client.
  • the method of scanning the payment party's mobile phone QR code by the payee is also flawed: the payer is completely passively paying, and the amount of the payment cannot be controlled at the time of payment, and the purchased content cannot be guaranteed.
  • the present invention proposes a system or method for paying a payment, which system or method can make payment collection by mobile phone more secure, reliable, convenient and effective.
  • a system or method for payment collection comprising a user, a mobile phone and a service platform, wherein the service platform can communicate with the mobile phone through the network, and the service platform releases a software terminal that can be run on the mobile phone, and the different users are respectively served.
  • the platform has a user account, no The user can use the software terminal on different mobile phones to log in to the same user account on the service platform, and one user account can use the software terminal to make payment to another user account through the service platform, wherein two of the service platforms Different user accounts can be used as the collection party and the payee respectively, and the service platform can generate the collection identification code for the collection party and the payee, wherein the user of the mobile phone has already logged in as the user account of the payer.
  • the payment can be made to the payee by inputting the collection identification code to the mobile phone, wherein the user can view the payment received by the collection identification code after logging in to the payee user account and can recognize the payment.
  • the payment is made by the collection identification code, and the payment confirmation information is received by the recipient user account after the payment is completed.
  • the user can recognize that the payment is performed by the collection identification code, that is, the user can identify the collection party and the payee corresponding to the collection identification code that performs the payment.
  • the collection identification code is a two-dimensional code, and the user inputs the collection identification code to the mobile phone, specifically, the user scans the two-dimensional code by using the mobile phone.
  • the collection identification code is a graphic code
  • the user inputting the collection identification code to the mobile phone specifically refers to the user scanning the graphic code by using the mobile phone.
  • the graphic code is a barcode or a two-dimensional code or other graphic code.
  • the same collection identification code can be used in multiple different payment, and the same collection identification code can correspond to the determined collection party and the payee.
  • the payment can use the collection identification code specially generated for this payment.
  • the specially generated collection identification code can correspond to the determination of the collection party, the payee and the payment amount.
  • the specially generated collection identification code can also correspond to the specific information for determining the transaction content.
  • the user account that can collect money on the service platform can be used as the payee
  • the user account that can be paid on the service platform can be used as the payer
  • the user account of the service platform can be used as the collector of any payee.
  • the user account that can be collected on the service platform can be used as the payee and the user can use the other user account of the service platform as the collection direction on the software terminal after the software terminal of the mobile phone logs in to the payee user account.
  • the service platform requests to collect the identification code, or the user account of the service platform can be used as the collection party and the user can collect the payment on the service platform after the software terminal of the mobile phone logs in the recipient user account.
  • the other user account is used as the collection direction service platform to request the collection identification code.
  • the user software on the mobile phone is used to log in to the user account of the payee or the recipient
  • the user can request the service platform to generate the collection identification code for the payee and the recipient in the terminal software interface, and the service provider
  • the collection identification code is returned to the terminal software after the generation of the identification code.
  • the same user account can be used as a collection party to collect money for different payees of different user accounts.
  • the payment party user account will receive payment confirmation information after the payment is completed.
  • the payee user account will receive the payment confirmation information.
  • the payment confirmation information includes a payment amount, a payer information, a payee information, and a collector information.
  • the payer information, the payee information, and the collector information are respectively a payer user account, a payee user account, and a collectee user account.
  • the collection identification code can be displayed on the screen of the mobile phone.
  • the collection identification code can be printed.
  • the software terminal can have different versions for different operating systems.
  • different versions include IOS version, android version, windows version and so on.
  • the network is the Internet.
  • the payment is displayed on the software terminal of the paying party mobile phone. Screen, the payment screen will display the use of the payee User account or user name.
  • the user account or user name of the recipient is displayed on the payment screen displayed on the payer's mobile phone.
  • the payment user's user account or user name is displayed on the payment screen displayed on the payer's mobile phone.
  • the user name may be another name of the user's non-user account.
  • the payment screen displayed on the payer's mobile phone may require the user to input the payment password of the paying party user account.
  • the payment password is set by the user when the user registers the payer user account or after the user logs in to the payer user account.
  • the payment screen displayed on the payer's mobile phone may require the user to authenticate the identity of the paying party user account.
  • the identity authentication method is one of the following methods: biometrics, sound features, fingerprint features, passwords, keys, and the like.
  • the payee user can see the collection list of the user within a certain period of time after logging in to the payee user account, and the payee can distinguish the collectible payment or the payee who can see the collected payment in the list. .
  • the distinction between collection and collection refers to the distinction between the collection of the collection and the recipient's own direct receipts.
  • the payee user logs in to the payee user account, he can see the collection list or the total amount of receipts or all of the above for a certain collection party for a certain period of time.
  • the recipient user After the recipient user logs in to the recipient user account, he can see that he is the collection list or the total amount of the collection or all of the above for a certain recipient.
  • a system or method for payment collection comprising a user, a mobile phone and a service platform, wherein the service platform can communicate with the mobile phone through the network, and the service platform releases a software terminal that can be run on the mobile phone, and the different users are respectively served.
  • the platform has a user account, and different users can use the software terminal on different mobile phones to log in to the same user account on the service platform, and one user account can use the software terminal to make payment to another user account through the service platform, wherein
  • the three different user accounts of the service platform can be respectively used as a payer, a collector and a payee.
  • the software terminal has a collectible function, wherein the payer user logs in to the payer user using the software terminal of the payer's mobile phone.
  • the paying party user can display the payer user's payer graphic on the software terminal of the payer's mobile phone, and the collector user can use the software terminal of the collector mobile phone to log in to the recipient user account and scan the payer user. Payer graphics and use the software terminal's collection Able to make the payment for the payee to make a payment, where the payment is completed offspring recipient user account will receive payment confirmation.
  • the user can view the payment received through the payment function after logging in to the payee user account and can recognize that the payment is made through the collection party.
  • the payer graphic is a two-dimensional code.
  • the payer graphic is a graphic code.
  • the graphic code is a barcode or a two-dimensional code or other graphic code.
  • the payer graphic can correspond to the determined payer.
  • each payer graphic can only be used for one payment.
  • the user account that can collect money on the service platform can be used as the payee
  • the user account that can be paid on the service platform can be used as the payer
  • the user account of the service platform can be used as the collector of any payee.
  • the same user account can be used as a collection party to collect money for different payees of different user accounts.
  • the payment party user account will receive payment confirmation information after the payment is completed.
  • the payee user account will receive the payment confirmation information.
  • the payment confirmation information includes a payment amount, a payer information, a payee information, and a collector information.
  • the payer information, the payee information, and the collector information are respectively a payer user account, a payee user account, and a collectee user account.
  • the software terminal can have different versions for different operating systems.
  • different versions include IOS version, android version, windows version and so on.
  • the network is the Internet.
  • the payee user can see the collection list of the user within a certain period of time after logging in to the payee user account, and the payee can distinguish the collectible payment or the payee who can see the collected payment in the list. .
  • the distinction between collection and collection refers to the distinction between the collection of the collection and the recipient's own direct receipts.
  • the payee user logs in to the payee user account, he can see the collection list or the total amount of receipts or all of the above for a certain collection party for a certain period of time.
  • the recipient user After the recipient user logs in to the recipient user account, he can see that he is the collection list or the total amount of the collection or all of the above for a certain recipient.
  • Figure 1 is a schematic diagram of a typical network of all embodiments.
  • the service platform is a full-platform service provider with the same QQ, WeChat, and Alipay.
  • the service provider provides services to users through the Internet, and the service provider publishes different operations on the mobile phone for Antai, Apple IOS, and Windows. System client software.
  • a user who has an account registered with the service provider may associate his or her bank account with the account of the user at the service provider or the user may directly deposit the account with the user in the service provider's account, and then the user may use the account of the service provider.
  • the other user account of the service provider makes payment.
  • the following describes the three user accounts A, B, and C of the service provider as an example.
  • the user of the user account C is a merchant
  • the user of the user account B is the employee of the user merchant of the user account C
  • the user account A is a customer who comes to the merchant to purchase.
  • the user of the user account B logs in to the user account B of the service provider using a special program issued by the service provider on the mobile phone or the computer, and then the user inputs the user account C in the interface of the dedicated program to request the service provider to generate
  • the user account C is the payee and the user account B is the collection identifier of the recipient.
  • the service provider After receiving the request, the service provider generates a special two-dimensional code, which can correspond to the user account B according to the two-dimensional code.
  • the collection party and the user account C are the payee, and the service provider sends the two-dimensional code to the user account B via the Internet, wherein the user of the user account B can print the two-dimensional code for convenient use.
  • the user who is the user account A of the merchant customer pays the user of the user account C, and at this time, the merchant who collects the payment is the user of the merchant - the user of the user account B, at this time, the user account B
  • the user uses the special software released by the service provider on the mobile phone to log in to the user account B of the service provider to call up the above two-dimensional code or the user of the user account B to take out the above-mentioned two-dimensional code.
  • the user of the user account A uses the special software issued by the service provider on the mobile phone to log in to the user account A of the service provider, and then invokes the function of the special software to scan the two-dimensional code using the mobile phone, and the payment appears on the dedicated software interface.
  • the user of the user account A makes a payment after inputting the amount and password on the payment screen.
  • the service provider receives the payment request sent by the user's mobile phone of the user account A through the Internet and confirms that the payment request is correct
  • the service provider operates in the platform to make the user account A pay the service account C
  • the service provider will The payment confirmation information is sent to the user accounts A, B, and C, and the payment confirmation information includes the amount and the user accounts A, B, and C.
  • the user who is the user account A of the payment customer and the user who is the user account B of the collection employee receive the payment confirmation information in the special software of the mobile phone whose user account has been logged in, so that both parties can confirm The transaction payment has been completed.
  • the user account C of the user account C may also log in to the service provider to request to generate a collection identifier with the user account C as the payee and the user account B as the recipient.
  • the payee user can see the collection list of the user within a certain period of time after logging in to the payee user account, and the payee can distinguish the collectible payment or the payee who can see the collected payment in the list. .
  • the distinction between collection and collection refers to the distinction between the collection of the collection and the recipient's own direct receipts.
  • the payee user logs in to the payee user account, he can see the collection list or the total amount of receipts or all of the above for a certain collection party for a certain period of time.
  • the recipient user After the recipient user logs in to the recipient user account, he can see that he is the collection list or the total amount of the collection or all of the above for a certain recipient.
  • the present embodiment may have any applicable steps or features described in the above summary or the following technical features in addition to all the above steps and features, or those skilled in the art may also follow the above invention or the following techniques. Variations or modifications of the present embodiment are made to any of the applicable steps or features described in the features - the present invention is implemented in a manner different from the specific embodiment of the present embodiment.
  • the specific embodiments of the present invention are not intended to be exhaustive or to be construed as being limited to the details of the invention. The scope of support.
  • the service platform is a full-platform service provider with the same QQ, WeChat, and Alipay.
  • the service provider provides services to users through the Internet, and the service provider publishes different operations on the mobile phone for Antai, Apple IOS, and Windows. System client software.
  • a user who has an account registered with the service provider may associate his or her bank account with the account of the user at the service provider or the user may directly deposit the account with the user in the service provider's account, and then the user may use the account of the service provider.
  • the other user account of the service provider makes payment.
  • the following describes the three user accounts A, B, and C of the service provider as an example.
  • the user of the user account C is a merchant
  • the user of the user account B is the employee of the user merchant of the user account C
  • the user account A is a customer who comes to the merchant to purchase.
  • the user of the user account C logs in to the user account C of the service provider using a special program issued by the mobile phone or the service provider on the computer, and then the user inputs the user account B in the interface of the dedicated program to request the service provider to generate
  • the user account C is the payee and the user account B is the collection identifier of the recipient.
  • the service provider After receiving the request, the service provider generates a special two-dimensional code, which can correspond to the user account B according to the two-dimensional code.
  • the collection party and the user account C are the payee, and the service provider sends the QR code to the user account C and the user account B via the Internet, wherein the user account C or the user account B can print the QR code.
  • the QR code for ease of use.
  • the user who is the user account A of the merchant customer pays the user of the user account C, and at this time, the merchant who collects the payment is the user of the merchant - the user of the user account B, at this time, the user account B
  • the user uses the special software released by the service provider on the mobile phone to log in to the user account B of the service provider to call up the above two-dimensional code or the user of the user account B to take out the above-mentioned two-dimensional code.
  • the user of user account A uses the special software published by the service provider on the mobile phone to log in to the user account A of the service provider, and then invokes the special account.
  • the function of the software is used to scan the two-dimensional code by using the mobile phone.
  • the payment screen appears on the dedicated software interface, and the user of the user account A makes a payment after inputting the amount and password on the payment screen.
  • the service provider receives the payment request sent by the user's mobile phone of the user account A through the Internet and confirms that the payment request is correct
  • the service provider operates in the platform to make the user account A pay the service account C
  • the service provider will The payment confirmation information is sent to the user accounts A, B, and C, and the payment confirmation information includes the amount and the user accounts A, B, and C.
  • the user who is the user account A of the payment customer and the user who is the user account B of the collection employee receive the payment confirmation information in the special software of the mobile phone whose user account has been logged in, so that both parties can confirm The transaction payment has been completed.
  • the user account B can also log in to the user account B and request to generate a collection identifier with the user account C as the payee and the user account B as the recipient.
  • the present embodiment may have any applicable steps or features described in the above summary or the following technical features in addition to all the above steps and features, or those skilled in the art may also follow the above invention or the following techniques. Variations or modifications of the present embodiment are made to any of the applicable steps or features described in the features - the present invention is implemented in a manner different from the specific embodiment of the present embodiment.
  • the specific embodiments of the present invention are not intended to be exhaustive or to be construed as being limited to the details of the invention. The scope of support.
  • the service platform is a full-platform service provider with the same QQ, WeChat, and Alipay.
  • the service provider provides services to users through the Internet, and the service provider publishes different operations on the mobile phone for Antai, Apple IOS, and Windows. System client software.
  • a user who has an account registered with the service provider may associate his or her bank account with the account of the user at the service provider or the user may directly deposit the account with the user in the service provider's account, and then the user may use the account of the service provider.
  • the other user account of the service provider makes payment.
  • the following describes the three user accounts A, B, and C of the service provider as an example.
  • the user of the user account C is a merchant
  • the user of the user account B is the employee of the user merchant of the user account C
  • the user account A is a customer who comes to the merchant to purchase.
  • the user who is the user account A of the merchant customer pays the user of the user account C, and at this time, the merchant collects the employee of the merchant - the user of the user account B, and the user of the user account B
  • the special program issued by the service provider on the mobile phone or the computer logs in to the user account B of the service provider, and then the user requests the service provider to generate the user account C as the payee and the user account B as the substitute in the interface of the dedicated program.
  • the collection identifier of the specific amount of the receiver after receiving the request, the service provider will generate a special two-dimensional code, according to which the user account B can be corresponding to the user account B as the recipient and the user account C as the payee.
  • the service provider sends the QR code to the user account B via the Internet.
  • the two-dimensional code may further include specific information of the transaction content, such as a catalog of purchased items, and the specific information of the transaction content may be input by the user of the user account B on the mobile phone, for example, the user of the user account B scans with the mobile phone of the user account B.
  • the QR code generated by the checkout counter is used to input specific information of the transaction content to the mobile phone.
  • the user of the user account A uses the special software issued by the service provider on the mobile phone to log in to the user account A of the service provider, and then invokes the function of the special software to scan the two-dimensional code by using the mobile phone.
  • the payment screen appears on the interface, and the user of user account A confirms that the input amount (and transaction content) of the payment screen is correct, and then enters the password for payment.
  • the service provider receives the payment request sent by the user's mobile phone of the user account A through the Internet and confirms that the payment request is correct
  • the service provider operates in the platform to make the user account A pay the service account C
  • the service provider will The payment confirmation information is sent to the user accounts A, B, and C, and the payment confirmation information includes the amount and the user accounts A, B, and C (and the specific information of the transaction content).
  • the user who is the user account A of the payment customer and the user who is the user account B of the collection employee receive the payment confirmation information in the special software of the mobile phone whose user account has been logged in, so that both parties can confirm The transaction payment has been completed.
  • the present embodiment may have any applicable steps or features described in the above summary or the following technical features in addition to all the above steps and features, or those skilled in the art may also follow the above invention or the following techniques. Variations or modifications of the present embodiment are made to any of the applicable steps or features described in the features - the present invention is implemented in a manner different from the specific embodiment of the present embodiment.
  • the specific embodiments of the present invention are not intended to be exhaustive or to be construed as being limited to the details of the invention. The scope of support.
  • the service platform is a full-platform service provider with the same QQ, WeChat, and Alipay.
  • the service provider provides services to users through the Internet, and the service provider publishes different operations on the mobile phone for Antai, Apple IOS, and Windows. System client software.
  • a user who has an account registered with the service provider may associate his or her bank account with the account of the user at the service provider or the user may directly deposit the account with the user in the service provider's account, and then the user may use the account of the service provider.
  • the other user account of the service provider makes payment.
  • the following describes the three user accounts A, B, and C of the service provider as an example.
  • the user of the user account C is a merchant
  • the user of the user account B is the employee of the user merchant of the user account C
  • the user account A is a customer who comes to the merchant to purchase.
  • the user of the user account A needs to buy something at the merchant of the user account C, and the user of the user account A uses the client software of the service platform on the mobile phone to log in to the user account A of the service platform, the user account A of the user account A.
  • the user displays the payer barcode or the payer's QR code or the payer's graphic code of the user account A on the client software of the mobile phone.
  • the user of the user account B collects the payment for the user account of the user account C at the cashier, and the user of the user account B logs in the user account B of the service desk with the client software on the mobile phone. Then, the user of the user account B scans the payer graphic code on the user's mobile phone of the user account A with the client software on the mobile phone, and then selects the user account C to collect the payment and enters the input collection amount, or the user account B. On the client software of the mobile phone, the user first selects the user account C to collect the payment and inputs the collection amount, and then scans the payment party graphic code on the user mobile phone of the user account A,
  • the service provider receives the payment request sent by the user's mobile phone of the user account B through the Internet and confirms that the payment request is correct
  • the service provider operates the user account A to pay the service account C, and the service provider will pay after the payment is completed.
  • the payment confirmation information is sent to the user accounts A, B, and C, and the payment confirmation information includes the amount and the user accounts A, B, and C.
  • the user who is the user account A of the payment customer and the user who is the user account B of the collection employee receive the payment confirmation information in the special software of the mobile phone whose user account has been logged in, so that both parties can confirm The transaction payment has been completed.
  • the payee user can see the collection list of the user within a certain period of time after logging in to the payee user account, and the payee can distinguish the collectible payment or the payee who can see the collected payment in the list. .
  • the distinction between collection and collection refers to the distinction between the collection of the collection and the recipient's own direct receipts.
  • the payee user logs in to the payee user account, he can see the collection list or the total amount of receipts or all of the above for a certain collection party for a certain period of time.
  • the recipient user After the recipient user logs in to the recipient user account, he can see that he is the collection list or the total amount of the collection or all of the above for a certain recipient.
  • the present embodiment may have any applicable steps or features described in the above summary or the following technical features in addition to all the above steps and features, or those skilled in the art may also follow the above invention or the following techniques. Variations or modifications of the present embodiment are made to any of the applicable steps or features described in the features - the present invention is implemented in a manner different from the specific embodiment of the present embodiment.
  • the specific embodiments of the present invention are not intended to be exhaustive or to be construed as being limited to the details of the invention. The scope of support.

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Abstract

A collection system in payment comprises users, mobile phones, and a service platform. Different users have user accounts on the service platform, and a user account can make payment to another user account by means of the service platform; two different user accounts on the service platform can serve as a commissioned collection party and a payee, and the service platform can generate a commissioned collection identification code for the commissioned collection party and the payee; after a payment party logs into an account, the payment party can enter the commissioned collection identification code to the mobile phone, so that the payment party makes payment to the payee; and after the payee logs into an account, the payee can view the payment received by means of the commissioned collection identification code, and can identify that the payment is made by means of the commissioned collection identification code.

Description

支付收款的系统或方法System or method of payment collection 技术领域Technical field
本发明涉及一种支付收款的系统或方法。The present invention relates to a system or method for payment collection.
背景技术Background technique
现在，很多互联网服务商通过手机终端提供支付收款的便捷服务，例如：支付宝、微信、QQ等等。这些服务商通过用手机扫二维码的方式能快速便捷地在两个手机的账号间进行支付收款。因此，现在很多商家都开始采用这种手机支付的方式进行收款。Nowadays, many Internet service providers provide convenient services for payment collection through mobile terminals, such as Alipay, WeChat, QQ, etc. These service providers can quickly and conveniently pay and collect accounts between the accounts of two mobile phones by scanning the QR code with a mobile phone. Therefore, many businesses are now using this mobile payment method to collect money.
但是，这种在支付宝、微信上由支付方手机扫描收款方二维码的手机支付方式存在几个问题和缺点，如下。However, there are several problems and shortcomings in the mobile payment method of scanning the two-dimensional code of the payee by the paying party mobile phone on Alipay and WeChat, as follows.
第1个问题，在微信和支付宝等软件等用户可以在不同手机上登录的客户端上还没有代收系统，不能由第三人的终端为收款人代收款并记录和反馈详细的代收信息。例如，一个商家的收款人为商家老板，同时这个商家还有几个店员也为商家老板收款，目前的手机支付收款办法是商家老板将自己收款账号的二维码印刷出来分发给店员，客人用自己的手机扫这个二维码来付款，客人扫码付款后，只有客人和老板的账号会收到支付凭证，而店员只能通过查看客户和老板的手机来确认客人是否付款，这里的问题是：店员无法确保客人手机的支付凭证是真实的，店员通常也看不到老板的手机，老板也无法区分每笔付款是由哪个店员接待或销售的。The first question is that there is no collection system on the client that users such as WeChat and Alipay can log in on different mobile phones. The third party's terminal can not collect the payment for the payee and record and feedback the detailed generation. Receive information. For example, the merchant's payee is the merchant's boss, and the merchant and several clerk also collect the money for the merchant boss. The current mobile payment payment method is that the merchant owner prints the QR code of his own payment account and distributes it to the clerk. Guests use their mobile phone to scan the QR code to pay. After the customer scans the code, only the guest and the boss's account will receive the payment voucher, and the clerk can only confirm the payment by checking the customer and the boss's mobile phone. The problem is: the clerk can't ensure that the payment vouchers of the guest's mobile phone are real, the clerk usually can't see the boss's mobile phone, and the boss can't distinguish which clerk receives or sells each payment.
第2个问题，支付方不能为每次付款生成不同的二维码从而区分每次不同的付款信息。例如，对于一个大商家同时有很多顾客要付款，目前采用的方式是顾客都扫描相同的二维码，然后由顾客自己输入支付的具体金额，顾客和商家收到的付款凭证上只有金额和收款人或付款人而没有对应于支付交易具体内容的信息(如顾客所购买物品的具体信息)。In the second question, the payer cannot generate a different two-dimensional code for each payment to distinguish each payment information. For example, for a large merchant, there are many customers who have to pay at the same time. The current method is that customers scan the same QR code, and then the customer inputs the specific amount of payment. The payment certificate received by the customer and the merchant only has the amount and the payment. The payer or payer does not have information corresponding to the specific content of the payment transaction (such as the specific information of the item purchased by the customer).
目前，已经有基于代收POS机的分散收款或代收系统，但是，这种基于代收POS机的系统只能专用于一家大规模公司(例如顺丰)，而在微信和支付宝等软件等普通用户可以在不同手机上登录使用的客户端上还没有代收系统或代收功能。At present, there are distributed collection or collection systems based on POS machines. However, such POS-based systems can only be used for a large-scale company (such as SF), and software such as WeChat and Alipay. Ordinary users can log in to different clients and have no collection system or collection function on the client.
另外，由收款方扫描支付方手机二维码的方式也有缺陷：支付方是完全被动地付款，在支付时不能控制支付的金额也不能确保支付购买的内容。In addition, the method of scanning the payment party's mobile phone QR code by the payee is also flawed: the payer is completely passively paying, and the amount of the payment cannot be controlled at the time of payment, and the purchased content cannot be guaranteed.
发明内容Summary of the invention
针对以上的问题，本发明提出支付收款的系统或方法，该系统或方法可以使通过手机进行的支付收款更加安全可靠和方便有效。In view of the above problems, the present invention proposes a system or method for paying a payment, which system or method can make payment collection by mobile phone more secure, reliable, convenient and effective.
一种支付收款的系统或方法，包括用户、手机和服务平台，其特征在于，服务平台能够通过网络与手机相互通讯，服务平台发布有可以在手机上运行的软件终端，不同用户分别在服务平台具有用户账号，不 同用户都能分别使用不同手机上的该软件终端来登录自己在服务平台的同一用户账号，一个用户账号能够使用该软件终端通过服务平台向另一用户账号进行付款，其中，服务平台的两个不同用户账号能够分别作为代收方和收款方，服务平台能够为该代收方和收款方生成代收识别码，其中，在手机的该软件终端已经登录作为支付方的用户账号时用户能够通过向该手机输入该代收识别码来使支付方向收款方进行付款，其中，用户在登录该收款方用户账号后能查看到通过该代收识别码收到的付款并能够识别出该付款是通过该代收识别码进行的，其中，该付款完成后代收方用户账号会收到付款确认信息。A system or method for payment collection, comprising a user, a mobile phone and a service platform, wherein the service platform can communicate with the mobile phone through the network, and the service platform releases a software terminal that can be run on the mobile phone, and the different users are respectively served. The platform has a user account, no The user can use the software terminal on different mobile phones to log in to the same user account on the service platform, and one user account can use the software terminal to make payment to another user account through the service platform, wherein two of the service platforms Different user accounts can be used as the collection party and the payee respectively, and the service platform can generate the collection identification code for the collection party and the payee, wherein the user of the mobile phone has already logged in as the user account of the payer. The payment can be made to the payee by inputting the collection identification code to the mobile phone, wherein the user can view the payment received by the collection identification code after logging in to the payee user account and can recognize the payment. The payment is made by the collection identification code, and the payment confirmation information is received by the recipient user account after the payment is completed.
其中，用户能够识别出该付款是通过该代收识别码进行的是指：用户能够识别出进行该付款的该代收识别码所对应的该代收方和收款方。Wherein, the user can recognize that the payment is performed by the collection identification code, that is, the user can identify the collection party and the payee corresponding to the collection identification code that performs the payment.
其中，代收识别码是二维码，用户向该手机输入该代收识别码具体是指用户用该手机扫描所述二维码。The collection identification code is a two-dimensional code, and the user inputs the collection identification code to the mobile phone, specifically, the user scans the two-dimensional code by using the mobile phone.
其中，代收识别码是图形码，用户向该手机输入该代收识别码具体是指用户用该手机扫描所述图形码。其中，该图形码是条形码或二维码或其它图形码。The collection identification code is a graphic code, and the user inputting the collection identification code to the mobile phone specifically refers to the user scanning the graphic code by using the mobile phone. Wherein, the graphic code is a barcode or a two-dimensional code or other graphic code.
其中，多次不同的付款中能使用同一的代收识别码，该同一的代收识别码能对应确定代收方和收款方。Wherein, the same collection identification code can be used in multiple different payment, and the same collection identification code can correspond to the determined collection party and the payee.
其中，付款能使用为本次付款专门生成的代收识别码。其中，专门生成的代收识别码能对应确定代收方、收款方和付款金额。其中，专门生成的代收识别码还能对应确定交易内容的具体信息。Among them, the payment can use the collection identification code specially generated for this payment. Among them, the specially generated collection identification code can correspond to the determination of the collection party, the payee and the payment amount. Among them, the specially generated collection identification code can also correspond to the specific information for determining the transaction content.
其中，能够在服务平台收款的用户账号都能够作为收款方，能够在服务平台付款的用户账号都能够作为支付方，服务平台的用户账号都能够作为任一收款方的代收方。Among them, the user account that can collect money on the service platform can be used as the payee, and the user account that can be paid on the service platform can be used as the payer, and the user account of the service platform can be used as the collector of any payee.
其中，能够在服务平台收款的用户账号都能够作为收款方并且在手机的该软件终端登录该收款方用户账号后用户能够在该软件终端上以服务平台的其它用户账号作为代收方向服务平台请求代收识别码，或者，服务平台的用户账号都能够作为代收方并且在手机的该软件终端登录该代收方用户账号后用户能够在该软件终端上以能够在服务平台收款的其它用户账号作为收款方向服务平台请求代收识别码。The user account that can be collected on the service platform can be used as the payee and the user can use the other user account of the service platform as the collection direction on the software terminal after the software terminal of the mobile phone logs in to the payee user account. The service platform requests to collect the identification code, or the user account of the service platform can be used as the collection party and the user can collect the payment on the service platform after the software terminal of the mobile phone logs in the recipient user account. The other user account is used as the collection direction service platform to request the collection identification code.
其中，使用手机上该终端软件登录收款方或代收方的用户账号后，用户能在该终端软件界面中向服务平台请求为收款方和代收方生成代收识别码，而服务商在生成代收识别码后会将该代收识别码返回该终端软件。After the user software on the mobile phone is used to log in to the user account of the payee or the recipient, the user can request the service platform to generate the collection identification code for the payee and the recipient in the terminal software interface, and the service provider The collection identification code is returned to the terminal software after the generation of the identification code.
其中，同一用户账号能够作为代收方为不同用户账号的不同收款方进行收款。Among them, the same user account can be used as a collection party to collect money for different payees of different user accounts.
其中，付款完成后支付方用户账号会收到付款确认信息。Among them, the payment party user account will receive payment confirmation information after the payment is completed.
其中，付款完成后收款方用户账号会收到付款确认信息。Among them, after the payment is completed, the payee user account will receive the payment confirmation information.
其中，付款确认信息中包括支付金额、支付方信息、收款方信息和代收方信息。其中，支付方信息、收款方信息和代收方信息分别是支付方用户账号、收款方用户账号和代收方用户账号。The payment confirmation information includes a payment amount, a payer information, a payee information, and a collector information. The payer information, the payee information, and the collector information are respectively a payer user account, a payee user account, and a collectee user account.
其中，使用手机的该终端软件登录收款方或代收方的用户账号后，手机屏幕上能够显示代收识别码。Wherein, after the terminal software of the mobile phone is used to log in to the user account of the payee or the recipient, the collection identification code can be displayed on the screen of the mobile phone.
其中，登录收款方或代收方的用户账号后，能够打印出代收识别码。After the user account of the payee or the recipient is registered, the collection identification code can be printed.
其中，所述的软件终端能够有用于不同操作系统的不同版本。其中，不同版本包括IOS版、android版、windows版等等。Wherein, the software terminal can have different versions for different operating systems. Among them, different versions include IOS version, android version, windows version and so on.
其中，所述网络是互联网。Wherein the network is the Internet.
其中，在用户使手机的该软件终端登录作为支付方的用户账号并向该手机输入该代收识别码来使支付方向收款方进行付款时，该支付方手机的该软件终端上会显示支付画面，该支付画面上会显示收款方的用 户账号或用户名称。Wherein, when the user logs the software terminal of the mobile phone as the user account of the paying party and inputs the collecting identification code to the mobile phone to make the payment to the payee, the payment is displayed on the software terminal of the paying party mobile phone. Screen, the payment screen will display the use of the payee User account or user name.
其中，支付方手机上显示的支付画面上会显示代收方的用户账号或用户名称。The user account or user name of the recipient is displayed on the payment screen displayed on the payer's mobile phone.
其中，支付方手机上显示的支付画面上会显示付款方的用户账号或用户名称。The payment user's user account or user name is displayed on the payment screen displayed on the payer's mobile phone.
其中，用户名称可以是用户的非用户账号的其它名称。The user name may be another name of the user's non-user account.
其中，支付方手机上显示的支付画面上会要求用户输入支付方用户账号的支付密码。其中，该支付密码是在用户注册该支付方用户账号时或在用户登录该支付方用户账号后由该用户设定的。The payment screen displayed on the payer's mobile phone may require the user to input the payment password of the paying party user account. The payment password is set by the user when the user registers the payer user account or after the user logs in to the payer user account.
其中，支付方手机上显示的支付画面会要求用户用行支付方用户账号的身份认证。其中，身份认证的方式是以下方式中的一种：生物特征、声音特征、指纹特征、密码、密钥等等。The payment screen displayed on the payer's mobile phone may require the user to authenticate the identity of the paying party user account. Among them, the identity authentication method is one of the following methods: biometrics, sound features, fingerprint features, passwords, keys, and the like.
其中，收款方用户登录收款方用户账号后能够看到自己在一段时间内的收款列表，收款方在该列表中能够区分出代收款或者能够看到代收款的收款方。其中，区分出代收款是指区分出代收款与收款方自己的直接收款。The payee user can see the collection list of the user within a certain period of time after logging in to the payee user account, and the payee can distinguish the collectible payment or the payee who can see the collected payment in the list. . Among them, the distinction between collection and collection refers to the distinction between the collection of the collection and the recipient's own direct receipts.
其中，收款方用户登录收款方用户账号后能够看到某个代收方在一段时间内为自己代收款的收款列表或收款总额或全部以上两者。Among them, after the payee user logs in to the payee user account, he can see the collection list or the total amount of receipts or all of the above for a certain collection party for a certain period of time.
其中，代收方用户登录代收方用户账号后能够看到自己为某个收款方在一段时间内代收款的收款列表或收款总额或全部以上两者。After the recipient user logs in to the recipient user account, he can see that he is the collection list or the total amount of the collection or all of the above for a certain recipient.
一种支付收款的系统或方法，包括用户、手机和服务平台，其特征在于，服务平台能够通过网络与手机相互通讯，服务平台发布有可以在手机上运行的软件终端，不同用户分别在服务平台具有用户账号，不同用户都能分别使用不同手机上的该软件终端来登录自己在服务平台的同一用户账号，一个用户账号能够使用该软件终端通过服务平台向另一用户账号进行付款，其中，服务平台的三个不同用户账号能够分别作为支付方、代收方和收款方，该软件终端具有代收款功能，其中，在支付方用户使用支付方手机的该软件终端登录进入支付方用户账号时支付方用户能够在支付方手机的该软件终端上显示支付方用户的支付方图形，代收方用户能够使用代收方手机的该软件终端登录进入代收方用户账号后扫描支付方用户的支付方图形并使用该软件终端的代收款功能来使支付方向收款方进行付款，其中，该付款完成后代收方用户账号会收到付款确认信息。A system or method for payment collection, comprising a user, a mobile phone and a service platform, wherein the service platform can communicate with the mobile phone through the network, and the service platform releases a software terminal that can be run on the mobile phone, and the different users are respectively served. The platform has a user account, and different users can use the software terminal on different mobile phones to log in to the same user account on the service platform, and one user account can use the software terminal to make payment to another user account through the service platform, wherein The three different user accounts of the service platform can be respectively used as a payer, a collector and a payee. The software terminal has a collectible function, wherein the payer user logs in to the payer user using the software terminal of the payer's mobile phone. When the account is used, the paying party user can display the payer user's payer graphic on the software terminal of the payer's mobile phone, and the collector user can use the software terminal of the collector mobile phone to log in to the recipient user account and scan the payer user. Payer graphics and use the software terminal's collection Able to make the payment for the payee to make a payment, where the payment is completed offspring recipient user account will receive payment confirmation.
其中，用户在登录该收款方用户账号后能查看到通过该代收款功能收到的付款并能够识别出该付款是通过该代收方进行的。The user can view the payment received through the payment function after logging in to the payee user account and can recognize that the payment is made through the collection party.
其中，支付方图形是二维码。Wherein, the payer graphic is a two-dimensional code.
其中，支付方图形是图形码。其中，该图形码是条形码或二维码或其它图形码。Wherein, the payer graphic is a graphic code. Wherein, the graphic code is a barcode or a two-dimensional code or other graphic code.
其中，支付方图形能对应确定支付方。Wherein, the payer graphic can correspond to the determined payer.
其中，每个支付方图形只能用于一次支付。Among them, each payer graphic can only be used for one payment.
其中，能够在服务平台收款的用户账号都能够作为收款方，能够在服务平台付款的用户账号都能够作为支付方，服务平台的用户账号都能够作为任一收款方的代收方。Among them, the user account that can collect money on the service platform can be used as the payee, and the user account that can be paid on the service platform can be used as the payer, and the user account of the service platform can be used as the collector of any payee.
其中，同一用户账号能够作为代收方为不同用户账号的不同收款方进行收款。Among them, the same user account can be used as a collection party to collect money for different payees of different user accounts.
其中，付款完成后支付方用户账号会收到付款确认信息。Among them, the payment party user account will receive payment confirmation information after the payment is completed.
其中，付款完成后收款方用户账号会收到付款确认信息。 Among them, after the payment is completed, the payee user account will receive the payment confirmation information.
其中，付款确认信息中包括支付金额、支付方信息、收款方信息和代收方信息。其中，支付方信息、收款方信息和代收方信息分别是支付方用户账号、收款方用户账号和代收方用户账号。The payment confirmation information includes a payment amount, a payer information, a payee information, and a collector information. The payer information, the payee information, and the collector information are respectively a payer user account, a payee user account, and a collectee user account.
其中，所述的软件终端能够有用于不同操作系统的不同版本。其中，不同版本包括IOS版、android版、windows版等等。Wherein, the software terminal can have different versions for different operating systems. Among them, different versions include IOS version, android version, windows version and so on.
其中，所述网络是互联网。Wherein the network is the Internet.
其中，收款方用户登录收款方用户账号后能够看到自己在一段时间内的收款列表，收款方在该列表中能够区分出代收款或者能够看到代收款的收款方。其中，区分出代收款是指区分出代收款与收款方自己的直接收款。The payee user can see the collection list of the user within a certain period of time after logging in to the payee user account, and the payee can distinguish the collectible payment or the payee who can see the collected payment in the list. . Among them, the distinction between collection and collection refers to the distinction between the collection of the collection and the recipient's own direct receipts.
其中，收款方用户登录收款方用户账号后能够看到某个代收方在一段时间内为自己代收款的收款列表或收款总额或全部以上两者。Among them, after the payee user logs in to the payee user account, he can see the collection list or the total amount of receipts or all of the above for a certain collection party for a certain period of time.
其中，代收方用户登录代收方用户账号后能够看到自己为某个收款方在一段时间内代收款的收款列表或收款总额或全部以上两者。After the recipient user logs in to the recipient user account, he can see that he is the collection list or the total amount of the collection or all of the above for a certain recipient.
附图说明DRAWINGS
图1是所有实施例的一个典型的网络示意图。Figure 1 is a schematic diagram of a typical network of all embodiments.
具体实施方式detailed description
实施例1Example 1
本实施例中，服务平台是一个与QQ、微信、支付宝相同的全平台的服务商，服务商通过互联网向用户提供服务，服务商在手机上发布有针对安桌、苹果IOS和视窗等不同操作系统的客户端软件。在服务商注册有账号的用户，可以把自己的银行账号与用户在服务商的账号相关联或者用户可以直接向用户在服务商的账号中存款，然后，用户可以通过自己在服务商的账号向服务商的其它用户账号进行付款。In this embodiment, the service platform is a full-platform service provider with the same QQ, WeChat, and Alipay. The service provider provides services to users through the Internet, and the service provider publishes different operations on the mobile phone for Antai, Apple IOS, and Windows. System client software. A user who has an account registered with the service provider may associate his or her bank account with the account of the user at the service provider or the user may directly deposit the account with the user in the service provider's account, and then the user may use the account of the service provider. The other user account of the service provider makes payment.
以下通过服务商的3个用户账号A、B、C为例进行说明。用户账号C的用户是一位商家，用户账号B的用户是用户账号C的用户商家的员工，用户账号A是一位来这个商家进行购买的顾客。The following describes the three user accounts A, B, and C of the service provider as an example. The user of the user account C is a merchant, and the user of the user account B is the employee of the user merchant of the user account C, and the user account A is a customer who comes to the merchant to purchase.
第1步，用户账号B的用户使用手机或电脑上服务商发布的专用程序登录自己在服务商的用户账号B，然后该用户在该专用程序的界面中输入用户账号C来请求服务商生成以用户账号C为收款方并以用户账号B为代收方的代收识别码，服务商在收到请求后会生成一个专用的二维码，根据该二维码可以对应到用户账号B作为代收方和用户账号C代为收款方，服务商将该二维码通过互联网发送给用户账号B，其中，用户账号B的用户可以将该二维码打印出来以方便使用。In the first step, the user of the user account B logs in to the user account B of the service provider using a special program issued by the service provider on the mobile phone or the computer, and then the user inputs the user account C in the interface of the dedicated program to request the service provider to generate The user account C is the payee and the user account B is the collection identifier of the recipient. After receiving the request, the service provider generates a special two-dimensional code, which can correspond to the user account B according to the two-dimensional code. The collection party and the user account C are the payee, and the service provider sends the two-dimensional code to the user account B via the Internet, wherein the user of the user account B can print the two-dimensional code for convenient use.
第2步，作为商家顾客的用户账号A的用户要向用户账号C的用户付款，而这时在该商家进行收款的是商家的员工——用户账号B的用户，这时，用户账号B的用户使用手机上该服务商发布的专用软件登录自己在服务商的用户账号B从而调出以上二维码或者用户账号B的用户拿出事先打印好的以上二维码。用户账号A的用户使用使用手机上该服务商发布的专用软件登录自己在服务商的用户账号A，然后调用该专用软件的功能使用手机扫描该二维码，这时该专用软件界面上出现支付画面，用户账号A的用户在支付画面上输入金额和密码等之后进行付款。 In the second step, the user who is the user account A of the merchant customer pays the user of the user account C, and at this time, the merchant who collects the payment is the user of the merchant - the user of the user account B, at this time, the user account B The user uses the special software released by the service provider on the mobile phone to log in to the user account B of the service provider to call up the above two-dimensional code or the user of the user account B to take out the above-mentioned two-dimensional code. The user of the user account A uses the special software issued by the service provider on the mobile phone to log in to the user account A of the service provider, and then invokes the function of the special software to scan the two-dimensional code using the mobile phone, and the payment appears on the dedicated software interface. In the screen, the user of the user account A makes a payment after inputting the amount and password on the payment screen.
第3步，服务商在通过互联网收到用户账号A的用户的手机发送来的支付请求并确认无误后，服务商在自己平台内操作使用户账号A向服务账号C付款，付款完成后服务商会向用户账号A、B、C发送付款确认信息，该付款确认信息中包括金额和用户账号A、B、C。In the third step, after the service provider receives the payment request sent by the user's mobile phone of the user account A through the Internet and confirms that the payment request is correct, the service provider operates in the platform to make the user account A pay the service account C, and after the payment is completed, the service provider will The payment confirmation information is sent to the user accounts A, B, and C, and the payment confirmation information includes the amount and the user accounts A, B, and C.
第4步，作为付款顾客的用户账号A的用户和作为代收员工的用户账号B的用户都在自己手机的已经登录自己用户账号的该专用软件中收到付款确认信息，从而双方都能确认交易支付已经完成。In the fourth step, the user who is the user account A of the payment customer and the user who is the user account B of the collection employee receive the payment confirmation information in the special software of the mobile phone whose user account has been logged in, so that both parties can confirm The transaction payment has been completed.
其中，在以上第1步中，也可以由用户账号C的用户登录用户账号C后向服务商请求生成以用户账号C为收款方和以用户账号B为代收方的代收识别码。In the above step 1, the user account C of the user account C may also log in to the service provider to request to generate a collection identifier with the user account C as the payee and the user account B as the recipient.
其中，收款方用户登录收款方用户账号后能够看到自己在一段时间内的收款列表，收款方在该列表中能够区分出代收款或者能够看到代收款的收款方。其中，区分出代收款是指区分出代收款与收款方自己的直接收款。The payee user can see the collection list of the user within a certain period of time after logging in to the payee user account, and the payee can distinguish the collectible payment or the payee who can see the collected payment in the list. . Among them, the distinction between collection and collection refers to the distinction between the collection of the collection and the recipient's own direct receipts.
其中，收款方用户登录收款方用户账号后能够看到某个代收方在一段时间内为自己代收款的收款列表或收款总额或全部以上两者。Among them, after the payee user logs in to the payee user account, he can see the collection list or the total amount of receipts or all of the above for a certain collection party for a certain period of time.
其中，代收方用户登录代收方用户账号后能够看到自己为某个收款方在一段时间内代收款的收款列表或收款总额或全部以上两者。After the recipient user logs in to the recipient user account, he can see that he is the collection list or the total amount of the collection or all of the above for a certain recipient.
本实施例在以上的全部步骤和特征之外还可以具有以上发明内容中或以下技术特征中所述的任何适用的步骤或特征，或者，本领域技术人员还可以按照以上发明内容中或以下技术特征中所述的任何适用的步骤或特征对本实施例进行变形或变更——以与本实施例具体方案所不同的方式来实现本发明。本发明的具体实施方式不可能在说明书中穷尽，但本领域技术人员能够根据以上发明内容或以下技术特征进行变形或变更，这些变形或变更的具体方案显然也都属于本发明说明书已公开和所支持的范围。The present embodiment may have any applicable steps or features described in the above summary or the following technical features in addition to all the above steps and features, or those skilled in the art may also follow the above invention or the following techniques. Variations or modifications of the present embodiment are made to any of the applicable steps or features described in the features - the present invention is implemented in a manner different from the specific embodiment of the present embodiment. The specific embodiments of the present invention are not intended to be exhaustive or to be construed as being limited to the details of the invention. The scope of support.
实施例2Example 2
本实施例中，服务平台是一个与QQ、微信、支付宝相同的全平台的服务商，服务商通过互联网向用户提供服务，服务商在手机上发布有针对安桌、苹果IOS和视窗等不同操作系统的客户端软件。在服务商注册有账号的用户，可以把自己的银行账号与用户在服务商的账号相关联或者用户可以直接向用户在服务商的账号中存款，然后，用户可以通过自己在服务商的账号向服务商的其它用户账号进行付款。In this embodiment, the service platform is a full-platform service provider with the same QQ, WeChat, and Alipay. The service provider provides services to users through the Internet, and the service provider publishes different operations on the mobile phone for Antai, Apple IOS, and Windows. System client software. A user who has an account registered with the service provider may associate his or her bank account with the account of the user at the service provider or the user may directly deposit the account with the user in the service provider's account, and then the user may use the account of the service provider. The other user account of the service provider makes payment.
以下通过服务商的3个用户账号A、B、C为例进行说明。用户账号C的用户是一位商家，用户账号B的用户是用户账号C的用户商家的员工，用户账号A是一位来这个商家进行购买的顾客。The following describes the three user accounts A, B, and C of the service provider as an example. The user of the user account C is a merchant, and the user of the user account B is the employee of the user merchant of the user account C, and the user account A is a customer who comes to the merchant to purchase.
第1步，用户账号C的用户使用手机或电脑上服务商发布的专用程序登录自己在服务商的用户账号C，然后该用户在该专用程序的界面中输入用户账号B来请求服务商生成以用户账号C为收款方并以用户账号B为代收方的代收识别码，服务商在收到请求后会生成一个专用的二维码，根据该二维码可以对应到用户账号B作为代收方和用户账号C代为收款方，服务商将该二维码通过互联网发送给用户账号C和用户账号B，其中，用户账号C或用户账号B的用户可以将该二维码打印出来以方便使用。In the first step, the user of the user account C logs in to the user account C of the service provider using a special program issued by the mobile phone or the service provider on the computer, and then the user inputs the user account B in the interface of the dedicated program to request the service provider to generate The user account C is the payee and the user account B is the collection identifier of the recipient. After receiving the request, the service provider generates a special two-dimensional code, which can correspond to the user account B according to the two-dimensional code. The collection party and the user account C are the payee, and the service provider sends the QR code to the user account C and the user account B via the Internet, wherein the user account C or the user account B can print the QR code. For ease of use.
第2步，作为商家顾客的用户账号A的用户要向用户账号C的用户付款，而这时在该商家进行收款的是商家的员工——用户账号B的用户，这时，用户账号B的用户使用手机上该服务商发布的专用软件登录自己在服务商的用户账号B从而调出以上二维码或者用户账号B的用户拿出事先打印好的以上二维码。用户账号A的用户使用使用手机上该服务商发布的专用软件登录自己在服务商的用户账号A，然后调用该专 用软件的功能使用手机扫描该二维码，这时该专用软件界面上出现支付画面，用户账号A的用户在支付画面上输入金额和密码等之后进行付款。In the second step, the user who is the user account A of the merchant customer pays the user of the user account C, and at this time, the merchant who collects the payment is the user of the merchant - the user of the user account B, at this time, the user account B The user uses the special software released by the service provider on the mobile phone to log in to the user account B of the service provider to call up the above two-dimensional code or the user of the user account B to take out the above-mentioned two-dimensional code. The user of user account A uses the special software published by the service provider on the mobile phone to log in to the user account A of the service provider, and then invokes the special account. The function of the software is used to scan the two-dimensional code by using the mobile phone. At this time, the payment screen appears on the dedicated software interface, and the user of the user account A makes a payment after inputting the amount and password on the payment screen.
第3步，服务商在通过互联网收到用户账号A的用户的手机发送来的支付请求并确认无误后，服务商在自己平台内操作使用户账号A向服务账号C付款，付款完成后服务商会向用户账号A、B、C发送付款确认信息，该付款确认信息中包括金额和用户账号A、B、C。In the third step, after the service provider receives the payment request sent by the user's mobile phone of the user account A through the Internet and confirms that the payment request is correct, the service provider operates in the platform to make the user account A pay the service account C, and after the payment is completed, the service provider will The payment confirmation information is sent to the user accounts A, B, and C, and the payment confirmation information includes the amount and the user accounts A, B, and C.
第4步，作为付款顾客的用户账号A的用户和作为代收员工的用户账号B的用户都在自己手机的已经登录自己用户账号的该专用软件中收到付款确认信息，从而双方都能确认交易支付已经完成。In the fourth step, the user who is the user account A of the payment customer and the user who is the user account B of the collection employee receive the payment confirmation information in the special software of the mobile phone whose user account has been logged in, so that both parties can confirm The transaction payment has been completed.
其中，在以上第1步中，也可以由用户账号B的用户登录用户账号B后向服务商请求生成以用户账号C为收款方和以用户账号B为代收方的代收识别码。In the above step 1, the user account B can also log in to the user account B and request to generate a collection identifier with the user account C as the payee and the user account B as the recipient.
本实施例在以上的全部步骤和特征之外还可以具有以上发明内容中或以下技术特征中所述的任何适用的步骤或特征，或者，本领域技术人员还可以按照以上发明内容中或以下技术特征中所述的任何适用的步骤或特征对本实施例进行变形或变更——以与本实施例具体方案所不同的方式来实现本发明。本发明的具体实施方式不可能在说明书中穷尽，但本领域技术人员能够根据以上发明内容或以下技术特征进行变形或变更，这些变形或变更的具体方案显然也都属于本发明说明书已公开和所支持的范围。The present embodiment may have any applicable steps or features described in the above summary or the following technical features in addition to all the above steps and features, or those skilled in the art may also follow the above invention or the following techniques. Variations or modifications of the present embodiment are made to any of the applicable steps or features described in the features - the present invention is implemented in a manner different from the specific embodiment of the present embodiment. The specific embodiments of the present invention are not intended to be exhaustive or to be construed as being limited to the details of the invention. The scope of support.
实施例3Example 3
本实施例中，服务平台是一个与QQ、微信、支付宝相同的全平台的服务商，服务商通过互联网向用户提供服务，服务商在手机上发布有针对安桌、苹果IOS和视窗等不同操作系统的客户端软件。在服务商注册有账号的用户，可以把自己的银行账号与用户在服务商的账号相关联或者用户可以直接向用户在服务商的账号中存款，然后，用户可以通过自己在服务商的账号向服务商的其它用户账号进行付款。In this embodiment, the service platform is a full-platform service provider with the same QQ, WeChat, and Alipay. The service provider provides services to users through the Internet, and the service provider publishes different operations on the mobile phone for Antai, Apple IOS, and Windows. System client software. A user who has an account registered with the service provider may associate his or her bank account with the account of the user at the service provider or the user may directly deposit the account with the user in the service provider's account, and then the user may use the account of the service provider. The other user account of the service provider makes payment.
以下通过服务商的3个用户账号A、B、C为例进行说明。用户账号C的用户是一位商家，用户账号B的用户是用户账号C的用户商家的员工，用户账号A是一位来这个商家进行购买的顾客。The following describes the three user accounts A, B, and C of the service provider as an example. The user of the user account C is a merchant, and the user of the user account B is the employee of the user merchant of the user account C, and the user account A is a customer who comes to the merchant to purchase.
第1步，作为商家顾客的用户账号A的用户要向用户账号C的用户付款，而这时在该商家进行收款的是商家的员工——用户账号B的用户，用户账号B的用户使用手机或电脑上服务商发布的专用程序登录自己在服务商的用户账号B，然后该用户在该专用程序的界面中来请求服务商生成以用户账号C为收款方并以用户账号B为代收方的特定金额的代收识别码，服务商在收到请求后会生成一个专用的二维码，根据该二维码可以对应到用户账号B作为代收方和用户账号C代为收款方以及支付金额，服务商将该二维码通过互联网发送给用户账号B。其中，该二维码中还可以包括交易内容的具体信息，如购买物品的目录，该交易内容的具体信息可以由用户账号B的用户在手机上输入，例如用户账号B的用户用自己手机扫描收款台生成的二维码来向手机输入交易内容的具体信息。In the first step, the user who is the user account A of the merchant customer pays the user of the user account C, and at this time, the merchant collects the employee of the merchant - the user of the user account B, and the user of the user account B The special program issued by the service provider on the mobile phone or the computer logs in to the user account B of the service provider, and then the user requests the service provider to generate the user account C as the payee and the user account B as the substitute in the interface of the dedicated program. The collection identifier of the specific amount of the receiver, after receiving the request, the service provider will generate a special two-dimensional code, according to which the user account B can be corresponding to the user account B as the recipient and the user account C as the payee. And the payment amount, the service provider sends the QR code to the user account B via the Internet. The two-dimensional code may further include specific information of the transaction content, such as a catalog of purchased items, and the specific information of the transaction content may be input by the user of the user account B on the mobile phone, for example, the user of the user account B scans with the mobile phone of the user account B. The QR code generated by the checkout counter is used to input specific information of the transaction content to the mobile phone.
第2步，用户账号A的用户使用使用手机上该服务商发布的专用软件登录自己在服务商的用户账号A，然后调用该专用软件的功能使用手机扫描该二维码，这时该专用软件界面上出现支付画面，用户账号A的用户确认支付画面的输入金额(和交易内容)无误后输入密码进行付款。In the second step, the user of the user account A uses the special software issued by the service provider on the mobile phone to log in to the user account A of the service provider, and then invokes the function of the special software to scan the two-dimensional code by using the mobile phone. The payment screen appears on the interface, and the user of user account A confirms that the input amount (and transaction content) of the payment screen is correct, and then enters the password for payment.
第3步，服务商在通过互联网收到用户账号A的用户的手机发送来的支付请求并确认无误后，服务商在自己平台内操作使用户账号A向服务账号C付款，付款完成后服务商会向用户账号A、B、C发送付款确认信息，该付款确认信息中包括金额和用户账号A、B、C(以及交易内容的具体信息)。 In the third step, after the service provider receives the payment request sent by the user's mobile phone of the user account A through the Internet and confirms that the payment request is correct, the service provider operates in the platform to make the user account A pay the service account C, and after the payment is completed, the service provider will The payment confirmation information is sent to the user accounts A, B, and C, and the payment confirmation information includes the amount and the user accounts A, B, and C (and the specific information of the transaction content).
第4步，作为付款顾客的用户账号A的用户和作为代收员工的用户账号B的用户都在自己手机的已经登录自己用户账号的该专用软件中收到付款确认信息，从而双方都能确认交易支付已经完成。In the fourth step, the user who is the user account A of the payment customer and the user who is the user account B of the collection employee receive the payment confirmation information in the special software of the mobile phone whose user account has been logged in, so that both parties can confirm The transaction payment has been completed.
本实施例在以上的全部步骤和特征之外还可以具有以上发明内容中或以下技术特征中所述的任何适用的步骤或特征，或者，本领域技术人员还可以按照以上发明内容中或以下技术特征中所述的任何适用的步骤或特征对本实施例进行变形或变更——以与本实施例具体方案所不同的方式来实现本发明。本发明的具体实施方式不可能在说明书中穷尽，但本领域技术人员能够根据以上发明内容或以下技术特征进行变形或变更，这些变形或变更的具体方案显然也都属于本发明说明书已公开和所支持的范围。The present embodiment may have any applicable steps or features described in the above summary or the following technical features in addition to all the above steps and features, or those skilled in the art may also follow the above invention or the following techniques. Variations or modifications of the present embodiment are made to any of the applicable steps or features described in the features - the present invention is implemented in a manner different from the specific embodiment of the present embodiment. The specific embodiments of the present invention are not intended to be exhaustive or to be construed as being limited to the details of the invention. The scope of support.
实施例4Example 4
本实施例中，服务平台是一个与QQ、微信、支付宝相同的全平台的服务商，服务商通过互联网向用户提供服务，服务商在手机上发布有针对安桌、苹果IOS和视窗等不同操作系统的客户端软件。在服务商注册有账号的用户，可以把自己的银行账号与用户在服务商的账号相关联或者用户可以直接向用户在服务商的账号中存款，然后，用户可以通过自己在服务商的账号向服务商的其它用户账号进行付款。In this embodiment, the service platform is a full-platform service provider with the same QQ, WeChat, and Alipay. The service provider provides services to users through the Internet, and the service provider publishes different operations on the mobile phone for Antai, Apple IOS, and Windows. System client software. A user who has an account registered with the service provider may associate his or her bank account with the account of the user at the service provider or the user may directly deposit the account with the user in the service provider's account, and then the user may use the account of the service provider. The other user account of the service provider makes payment.
以下通过服务商的3个用户账号A、B、C为例进行说明。用户账号C的用户是一位商家，用户账号B的用户是用户账号C的用户商家的员工，用户账号A是一位来这个商家进行购买的顾客。The following describes the three user accounts A, B, and C of the service provider as an example. The user of the user account C is a merchant, and the user of the user account B is the employee of the user merchant of the user account C, and the user account A is a customer who comes to the merchant to purchase.
第1步，用户账号A的用户要在用户账号C的商家买东西，用户账号A的用户在收银台使用手机上服务平台的客户端软件登录自己在服务平台的用户账号A，用户账号A的用户在自己手机的客户端软件上显示用户账号A的支付方条形码或支付方二维码或支付方图形码，In the first step, the user of the user account A needs to buy something at the merchant of the user account C, and the user of the user account A uses the client software of the service platform on the mobile phone to log in to the user account A of the service platform, the user account A of the user account A. The user displays the payer barcode or the payer's QR code or the payer's graphic code of the user account A on the client software of the mobile phone.
第2步，用户账号B的用户在收银台作为代收方为用户账号C的用户商家进行收款，用户账号B的用户用自己手机上的客户端软件登录自己在服务台的用户账号B，然后，用户账号B的用户用自己手机上的该客户端软件扫描用户账号A的用户手机上的支付方图形码后选择为用户账号C代收款并办理输入代收金额，或者用户账号B的用户在自己手机的该客户端软件上先选择为用户账号C代收款并输入代收金额后再扫描用户账号A的用户手机上的支付方图形码，In the second step, the user of the user account B collects the payment for the user account of the user account C at the cashier, and the user of the user account B logs in the user account B of the service desk with the client software on the mobile phone. Then, the user of the user account B scans the payer graphic code on the user's mobile phone of the user account A with the client software on the mobile phone, and then selects the user account C to collect the payment and enters the input collection amount, or the user account B. On the client software of the mobile phone, the user first selects the user account C to collect the payment and inputs the collection amount, and then scans the payment party graphic code on the user mobile phone of the user account A,
第3步，服务商在通过互联网收到用户账号B的用户的手机发送来的支付请求并确认无误后，服务商在自己平台内操作使用户账号A向服务账号C付款，付款完成后服务商会向用户账号A、B、C发送付款确认信息，该付款确认信息中包括金额和用户账号A、B、C。In the third step, after the service provider receives the payment request sent by the user's mobile phone of the user account B through the Internet and confirms that the payment request is correct, the service provider operates the user account A to pay the service account C, and the service provider will pay after the payment is completed. The payment confirmation information is sent to the user accounts A, B, and C, and the payment confirmation information includes the amount and the user accounts A, B, and C.
第4步，作为付款顾客的用户账号A的用户和作为代收员工的用户账号B的用户都在自己手机的已经登录自己用户账号的该专用软件中收到付款确认信息，从而双方都能确认交易支付已经完成。In the fourth step, the user who is the user account A of the payment customer and the user who is the user account B of the collection employee receive the payment confirmation information in the special software of the mobile phone whose user account has been logged in, so that both parties can confirm The transaction payment has been completed.
其中，收款方用户登录收款方用户账号后能够看到自己在一段时间内的收款列表，收款方在该列表中能够区分出代收款或者能够看到代收款的收款方。其中，区分出代收款是指区分出代收款与收款方自己的直接收款。The payee user can see the collection list of the user within a certain period of time after logging in to the payee user account, and the payee can distinguish the collectible payment or the payee who can see the collected payment in the list. . Among them, the distinction between collection and collection refers to the distinction between the collection of the collection and the recipient's own direct receipts.
其中，收款方用户登录收款方用户账号后能够看到某个代收方在一段时间内为自己代收款的收款列表或收款总额或全部以上两者。Among them, after the payee user logs in to the payee user account, he can see the collection list or the total amount of receipts or all of the above for a certain collection party for a certain period of time.
其中，代收方用户登录代收方用户账号后能够看到自己为某个收款方在一段时间内代收款的收款列表或收款总额或全部以上两者。 After the recipient user logs in to the recipient user account, he can see that he is the collection list or the total amount of the collection or all of the above for a certain recipient.
本实施例在以上的全部步骤和特征之外还可以具有以上发明内容中或以下技术特征中所述的任何适用的步骤或特征，或者，本领域技术人员还可以按照以上发明内容中或以下技术特征中所述的任何适用的步骤或特征对本实施例进行变形或变更——以与本实施例具体方案所不同的方式来实现本发明。本发明的具体实施方式不可能在说明书中穷尽，但本领域技术人员能够根据以上发明内容或以下技术特征进行变形或变更，这些变形或变更的具体方案显然也都属于本发明说明书已公开和所支持的范围。 The present embodiment may have any applicable steps or features described in the above summary or the following technical features in addition to all the above steps and features, or those skilled in the art may also follow the above invention or the following techniques. Variations or modifications of the present embodiment are made to any of the applicable steps or features described in the features - the present invention is implemented in a manner different from the specific embodiment of the present embodiment. The specific embodiments of the present invention are not intended to be exhaustive or to be construed as being limited to the details of the invention. The scope of support.

Claims (53)

  1. 一种支付收款的系统，包括用户、手机和服务平台，其特征在于，服务平台能够通过网络与手机相互通讯，服务平台发布有可以在手机上运行的软件终端，不同用户分别在服务平台具有用户账号，不同用户都能分别使用不同手机上的该软件终端来登录自己在服务平台的同一用户账号，一个用户账号能够使用该软件终端通过服务平台向另一用户账号进行付款，其中，服务平台的两个不同用户账号能够分别作为代收方和收款方，服务平台能够为该代收方和收款方生成代收识别码，其中，在手机的该软件终端已经登录作为支付方的用户账号时用户能够通过向该手机输入该代收识别码来使支付方向收款方进行付款，其中，用户在登录该收款方用户账号后能查看到通过该代收识别码收到的付款并能够识别出该付款是通过该代收识别码进行的，其中，该付款完成后代收方用户账号会收到付款确认信息。A payment payment system, comprising a user, a mobile phone and a service platform, wherein the service platform can communicate with the mobile phone through the network, and the service platform releases a software terminal that can be run on the mobile phone, and the different users respectively have the service platform User account, different users can use the software terminal on different mobile phones to log in to the same user account on the service platform, and one user account can use the software terminal to make payment to another user account through the service platform, wherein the service platform The two different user accounts can be used as the collection party and the payee respectively, and the service platform can generate the collection identification code for the collection party and the payee, wherein the software terminal of the mobile phone has already logged in as the user of the paying party. When the account is used, the user can make the payment to the payee by inputting the collection identification code to the mobile phone, wherein the user can view the payment received through the collection identification code after logging in to the payee user account and Being able to recognize that the payment is made by the collection identification code, wherein the payment is completed Offspring recipient user account will receive payment confirmation.
  2. 一种支付收款的方法，其特征在于，服务平台能够通过网络与手机相互通讯，服务平台发布有可以在手机上运行的软件终端，不同用户分别在服务平台具有用户账号，不同用户都能分别使用不同手机上的该软件终端来登录自己在服务平台的同一用户账号，一个用户账号能够使用该软件终端通过服务平台向另一用户账号进行付款，其中，服务平台的两个不同用户账号能够分别作为代收方和收款方，服务平台能够为该代收方和收款方生成代收识别码，其中，在手机的该软件终端已经登录作为支付方的用户账号时用户能够通过向该手机输入该代收识别码来使支付方向收款方进行付款，其中，用户在登录该收款方用户账号后能查看到通过该代收识别码收到的付款并能够识别出该付款是通过该代收识别码进行的，其中，该付款完成后代收方用户账号会收到付款确认信息。A method for payment collection, characterized in that the service platform can communicate with the mobile phone through the network, and the service platform releases a software terminal that can be run on the mobile phone, and different users respectively have user accounts on the service platform, and different users can respectively Using the software terminal on different mobile phones to log in to the same user account on the service platform, one user account can use the software terminal to make payment to another user account through the service platform, wherein two different user accounts of the service platform can respectively As the recipient and the payee, the service platform can generate a collection identifier for the recipient and the payee, wherein the user can pass the mobile phone when the software terminal of the mobile phone has logged in as the user account of the payer Entering the collection identification code to enable the payment to make payment to the payee, wherein the user can view the payment received through the collection identification code after logging in to the payee user account and can recognize that the payment is passed The collection identification code is carried out, wherein the payment user's account will be paid after the payment is completed. Confirmation.
  3. 一种支付收款的系统，包括用户、手机和服务平台，其特征在于，服务平台能够通过网络与手机相互通讯，服务平台发布有可以在手机上运行的软件终端，不同用户分别在服务平台具有用户账号，不同用户都能分别使用不同手机上的该软件终端来登录自己在服务平台的同一用户账号，一个用户账号能够使用该软件终端通过服务平台向另一用户账号进行付款，其中，服务平台的两个不同用户账号能够分别作为代收方和收款方，服务平台能够为该代收方和收款方生成代收识别码，其中，在手机的该软件终端已经登录作为支付方的用户账号时用户能够通过向该手机输入该代收识别码来使支付方向收款方进行付款，其中，该付款完成后代收方用户账号会收到付款确认信息，其中，付款完成后支付方用户账号会收到付款确认信息。A payment payment system, comprising a user, a mobile phone and a service platform, wherein the service platform can communicate with the mobile phone through the network, and the service platform releases a software terminal that can be run on the mobile phone, and the different users respectively have the service platform User account, different users can use the software terminal on different mobile phones to log in to the same user account on the service platform, and one user account can use the software terminal to make payment to another user account through the service platform, wherein the service platform The two different user accounts can be used as the collection party and the payee respectively, and the service platform can generate the collection identification code for the collection party and the payee, wherein the software terminal of the mobile phone has already logged in as the user of the paying party. When the account is used, the user can make the payment to the payee by inputting the collection identification code to the mobile phone, wherein after the payment is completed, the payment user confirmation party receives the payment confirmation information, wherein the payment user is completed after the payment is completed. The account will receive payment confirmation information.
  4. 一种支付收款的方法，其特征在于，服务平台能够通过网络与手机相互通讯，服务平台发布有可以在手机上运行的软件终端，不同用户分别在服务平台具有用户账号，不同用户都能分别使用不同手机上的该软件终端来登录自己在服务平台的同一用户账号，一个用户账号能够使用该软件终端通过服务平台向另一用户账号进行付款，其中，服务平台的两个不同用户账号能够分别作为代收方和收款方，服务平台能够为该代收方和收款方生成代收识别码，其中，在手机的该软件终端已经登录作为支付方的用户账号时用户能够通过向该手机输入该代收识别码来使支付方向收款方进行付款，其中，该付款完成后代收方用户账号会收到付款确认信息，其中，付款完成后支付方用户账号会收到付款确认信息。A method for payment collection, characterized in that the service platform can communicate with the mobile phone through the network, and the service platform releases a software terminal that can be run on the mobile phone, and different users respectively have user accounts on the service platform, and different users can respectively Using the software terminal on different mobile phones to log in to the same user account on the service platform, one user account can use the software terminal to make payment to another user account through the service platform, wherein two different user accounts of the service platform can respectively As the recipient and the payee, the service platform can generate a collection identifier for the recipient and the payee, wherein the user can pass the mobile phone when the software terminal of the mobile phone has logged in as the user account of the payer The collection identifier is input to enable the payment to make payment to the payee. After the payment is completed, the recipient user account will receive the payment confirmation information, wherein the payment user account will receive the payment confirmation information after the payment is completed.
  5. 根据权利要求1至4其中之一所述的支付收款的系统或方法，其特征在于，用户在登录该收款方用户账号后能查看到通过该代收识别码收到的付款并能够识别出该付款是通过该代收识别码进行的。A system or method for payment collection according to any one of claims 1 to 4, wherein the user can view the payment received through the collection identification code and can identify after logging in to the payee user account. The payment is made by the collection identification code.
  6. 根据权利要求1至4其中之一所述的支付收款的系统或方法，其特征在于，用户能够识别出该付款是通过该代收识别码进行的是指：用户能够识别出进行该付款的该代收识别码所对应的该代收方和收款 方。A system or method for payment collection according to any one of claims 1 to 4, wherein the user is able to recognize that the payment is made by the collection identification code means that the user can recognize that the payment is made. The collection and receipt corresponding to the collection identification code square.
  7. 根据权利要求1至4其中之一所述的支付收款的系统或方法，其特征在于，代收识别码是二维码或图形码，用户向该手机输入该代收识别码具体是指用户用该手机扫描所述二维码或图形码。The system or method for payment collection according to any one of claims 1 to 4, wherein the collection identification code is a two-dimensional code or a graphic code, and the user inputs the collection identification code to the mobile phone, specifically referring to the user. The two-dimensional code or graphic code is scanned by the mobile phone.
  8. 根据权利要求1至4其中之一所述的支付收款的系统或方法，其特征在于，多次不同的付款中能使用同一的代收识别码，该同一的代收识别码能对应确定代收方和收款方。A system or method for payment collection according to any one of claims 1 to 4, characterized in that the same collection identification code can be used in a plurality of different payments, and the same collection identification code can correspond to the determination generation Recipient and payee.
  9. 根据权利要求1至4其中之一所述的支付收款的系统或方法，其特征在于，付款能使用为本次付款专门生成的代收识别码。A system or method for payment collection according to any one of claims 1 to 4 wherein the payment can use a collection identification code specifically generated for the payment.
  10. 根据权利要求5所述的支付收款的系统或方法，其特征在于，专门生成的代收识别码能对应确定代收方、收款方和付款金额。A system or method for payment collection according to claim 5 wherein the specially generated collection identification code is capable of correspondingly determining the recipient, the payee and the payment amount.
  11. 根据权利要求1至4其中之一所述的支付收款的系统或方法，其特征在于，能够在服务平台收款的用户账号都能够作为收款方，能够在服务平台付款的用户账号都能够作为支付方，服务平台的用户账号都能够作为任一收款方的代收方。A system or method for payment collection according to any one of claims 1 to 4, characterized in that the user account capable of collecting money on the service platform can be used as a payee, and the user account capable of paying on the service platform can As the payer, the user account of the service platform can be used as the receiver of any payee.
  12. 根据权利要求1至4其中之一所述的支付收款的系统或方法，其特征在于，能够在服务平台收款的用户账号都能够作为收款方并且在手机的该软件终端登录该收款方用户账号后用户能够在该软件终端上以服务平台的其它用户账号作为代收方向服务平台请求代收识别码。A system or method for payment collection according to any one of claims 1 to 4, characterized in that the user account capable of collecting money at the service platform is capable of being the payee and logging in to the payment at the software terminal of the mobile phone. After the party user account, the user can request the collection identification code on the software terminal by using the other user account of the service platform as the collection direction service platform.
  13. 根据权利要求1至4其中之一所述的支付收款的系统或方法，其特征在于，服务平台的用户账号都能够作为代收方并且在手机的该软件终端登录该代收方用户账号后用户能够在该软件终端上以能够在服务平台收款的其它用户账号作为收款方向服务平台请求代收识别码。The system or method for payment collection according to any one of claims 1 to 4, wherein the user account of the service platform is capable of acting as a collection party and after the software terminal of the mobile phone logs in to the recipient user account The user can request the collection identification code on the software terminal by using the other user account that can receive the payment on the service platform as the payment direction service platform.
  14. 根据权利要求1至4其中之一所述的支付收款的系统或方法，其特征在于，同一用户账号能够作为代收方为不同用户账号的不同收款方进行收款。A system or method for payment collection according to any one of claims 1 to 4, characterized in that the same user account can be used as a collection party to collect money for different payees of different user accounts.
  15. 根据权利要求1至4其中之一所述的支付收款的系统或方法，其特征在于，付款确认信息中包括支付金额、支付方信息、收款方信息和代收方信息。A system or method for payment collection according to any one of claims 1 to 4, wherein the payment confirmation information includes payment amount, payer information, payee information, and collection party information.
  16. 根据权利要求1至4其中之一所述的支付收款的系统或方法，其特征在于，专门生成的代收识别码还能对应确定交易内容的具体信息。A system or method for payment collection according to any one of claims 1 to 4, wherein the specially generated collection identification code is further responsive to determining specific information of the transaction content.
  17. 根据权利要求1至4其中之一所述的支付收款的系统或方法，其特征在于，使用手机上该终端软件登录收款方或代收方的用户账号后，用户能在该终端软件界面中向服务平台请求为收款方和代收方生成代收识别码，而服务商在生成代收识别码后会将该代收识别码返回该终端软件。The system or method for payment collection according to any one of claims 1 to 4, characterized in that after the terminal software is used to log in to the user account of the payee or the recipient, the user can access the terminal software interface. The medium service platform requests to generate a collection identification code for the payee and the collection party, and the service provider returns the collection identification code to the terminal software after generating the collection identification code.
  18. 根据权利要求1至4其中之一所述的支付收款的系统或方法，其特征在于，付款完成后支付方用户账号会收到付款确认信息。A system or method for payment collection according to any one of claims 1 to 4, characterized in that the payment party user account receives payment confirmation information after the payment is completed.
  19. 根据权利要求1至4其中之一所述的支付收款的系统或方法，其特征在于，付款完成后收款方用户账号会收到付款确认信息。A system or method for payment collection according to any one of claims 1 to 4, wherein the payee user account receives the payment confirmation information after the payment is completed.
  20. 根据权利要求1至4其中之一所述的支付收款的系统或方法，其特征在于，支付方信息、收款方信息和代收方信息分别是支付方用户账号、收款方用户账号和代收方用户账号。A system or method for payment collection according to any one of claims 1 to 4, wherein the payer information, the payee information, and the collector information are a payer user account, a payee user account, and Recipient user account.
  21. 根据权利要求1至4其中之一所述的支付收款的系统或方法，其特征在于，使用手机的该终端软件登录收款方或代收方的用户账号后，手机屏幕上能够显示代收识别码。 The system or method for payment collection according to any one of claims 1 to 4, characterized in that after the terminal software of the mobile phone is used to log in to the user account of the payee or the recipient, the mobile phone screen can display the collection. Identifier.
  22. 根据权利要求1至4其中之一所述的支付收款的系统或方法，其特征在于，登录收款方或代收方的用户账号后，能够打印出代收识别码。A system or method for payment collection according to any one of claims 1 to 4, characterized in that after the user account of the payee or the recipient is registered, the collection identification code can be printed.
  23. 根据权利要求1至4其中之一所述的支付收款的系统或方法，其特征在于，所述的软件终端能够有用于不同操作系统的不同版本。A system or method for payment collection according to any one of claims 1 to 4, characterized in that said software terminal is capable of having different versions for different operating systems.
  24. 根据权利要求1至4其中之一所述的支付收款的系统或方法，其特征在于，所述网络是互联网。A system or method for payment collection according to any one of claims 1 to 4, wherein the network is the Internet.
  25. 根据权利要求1至4其中之一所述的支付收款的系统或方法，其特征在于，在用户使手机的该软件终端登录作为支付方的用户账号并向该手机输入该代收识别码来使支付方向收款方进行付款时，该支付方手机的该软件终端上会显示支付画面，该支付画面上会显示收款方的用户账号或用户名称。The system or method for payment collection according to any one of claims 1 to 4, wherein the user causes the software terminal of the mobile phone to log in as a user account of the paying party and input the collecting identification code to the mobile phone. When the payment is made to the payee, the payment screen is displayed on the software terminal of the payer's mobile phone, and the user account or user name of the payee is displayed on the payment screen.
  26. 根据权利要求1至4其中之一所述的支付收款的系统或方法，其特征在于，支付方手机上显示的支付画面上会显示代收方的用户账号或用户名称。A system or method for payment collection according to any one of claims 1 to 4, characterized in that the user account or user name of the recipient is displayed on the payment screen displayed on the payer's mobile phone.
  27. 根据权利要求1至4其中之一所述的支付收款的系统或方法，其特征在于，支付方手机上显示的支付画面上会显示付款方的用户账号或用户名称。A system or method for payment collection according to any one of claims 1 to 4, characterized in that the user's account number or user name of the payer is displayed on the payment screen displayed on the payer's mobile phone.
  28. 根据权利要求1至4其中之一所述的支付收款的系统或方法，其特征在于，用户名称可以是用户的非用户账号的其它名称。A system or method for payment collection according to any one of claims 1 to 4, wherein the user name can be another name of the user's non-user account.
  29. 根据权利要求1至4其中之一所述的支付收款的系统或方法，其特征在于，支付方手机上显示的支付画面上会要求用户输入支付方用户账号的支付密码。A system or method for payment collection according to any one of claims 1 to 4, characterized in that the payment screen displayed on the payer's mobile phone requires the user to enter the payment password of the payer's user account.
  30. 根据权利要求1至4其中之一所述的支付收款的系统或方法，其特征在于，支付方手机上显示的支付画面会要求用户用行支付方用户账号的身份认证。A system or method for payment collection according to any one of claims 1 to 4, wherein the payment screen displayed on the payer's handset requires the user to authenticate with the identity of the payer's user account.
  31. 根据权利要求1至4其中之一所述的支付收款的系统或方法，其特征在于，身份认证的方式是以下方式中的一种：生物特征、声音特征、指纹特征、密码、密钥。A system or method for payment collection according to any one of claims 1 to 4, characterized in that the manner of identity authentication is one of the following: biometrics, sound features, fingerprint features, passwords, keys.
  32. 根据权利要求1至4其中之一所述的支付收款的系统或方法，其特征在于，收款方用户登录收款方用户账号后能够看到自己在一段时间内的收款列表，收款方在该列表中能够区分出代收款。The system or method for payment collection according to any one of claims 1 to 4, characterized in that the payee user can see the collection list of the user within a certain period of time after logging in to the payee user account, and collect the payment. In this list, the party can distinguish between collections.
  33. 根据权利要求1至4其中之一所述的支付收款的系统或方法，其特征在于，收款方用户登录收款方用户账号后能够看到自己在一段时间内的收款列表，收款方在该列表中能够看到代收款的收款方。The system or method for payment collection according to any one of claims 1 to 4, characterized in that the payee user can see the collection list of the user within a certain period of time after logging in to the payee user account, and collect the payment. The party can see the payee of the collection in this list.
  34. 根据权利要求1至4其中之一所述的支付收款的系统或方法，其特征在于，收款方用户登录收款方用户账号后能够看到某个代收方在一段时间内为自己代收款的收款列表或收款总额或全部以上两者。The system or method for payment collection according to any one of claims 1 to 4, characterized in that the payee user can see that a certain recipient is a generation for a certain period of time after logging in to the payee user account. The collection list of the collection or the total amount of the collection or both.
  35. 根据权利要求1至4其中之一所述的支付收款的系统或方法，其特征在于，代收方用户登录代收方用户账号后能够看到自己为某个收款方在一段时间内代收款的收款列表或收款总额或全部以上两者。A system or method for payment collection according to any one of claims 1 to 4, characterized in that the recipient user can see that he is a payee for a period of time after logging in to the recipient user account. The collection list of the collection or the total amount of the collection or both.
  36. 一种支付收款的系统，包括用户、手机和服务平台，其特征在于，服务平台能够通过网络与手机相互通讯，服务平台发布有可以在手机上运行的软件终端，不同用户分别在服务平台具有用户账号，不同用户都能分别使用不同手机上的该软件终端来登录自己在服务平台的同一用户账号，一个用户账号能够使用该软件终端通过服务平台向另一用户账号进行付款，其中，服务平台的三个不同用户账号能够分别作为支付方、代收方和收款方，该软件终端具有代收款功能，其中，在支付方用户使用支付方手机的该软件终端登录进入支付方用户账号时支付方用户能够在支付方手机的该软件终端上显示支付方用户的支付方图形，代收方用户能够使用代收方手机的该软件终端登录进入代收方用户账号后扫描支付方用户的支付方图 形并使用该软件终端的代收款功能来使支付方向收款方进行付款，其中，该付款完成后代收方用户账号会收到付款确认信息。A payment payment system, comprising a user, a mobile phone and a service platform, wherein the service platform can communicate with the mobile phone through the network, and the service platform releases a software terminal that can be run on the mobile phone, and the different users respectively have the service platform User account, different users can use the software terminal on different mobile phones to log in to the same user account on the service platform, and one user account can use the software terminal to make payment to another user account through the service platform, wherein the service platform The three different user accounts can be respectively used as a payer, a collector and a payee, and the software terminal has a collectible function, wherein when the payer user uses the software terminal of the payer's mobile phone to log in to the payer user account The payer user can display the payer user's payer graphic on the software terminal of the payer's mobile phone, and the collector user can use the software terminal of the collector mobile phone to log in to the recipient user account and scan the payer's user's payment. Square map The payment and payment function of the software terminal is used to make the payment to the payee, and the payment confirmation message is received by the recipient user account after the payment is completed.
  37. 一种支付收款的方法，其特征在于，服务平台能够通过网络与手机相互通讯，服务平台发布有可以在手机上运行的软件终端，不同用户分别在服务平台具有用户账号，不同用户都能分别使用不同手机上的该软件终端来登录自己在服务平台的同一用户账号，一个用户账号能够使用该软件终端通过服务平台向另一用户账号进行付款，其中，服务平台的三个不同用户账号能够分别作为支付方、代收方和收款方，该软件终端具有代收款功能，其中，在支付方用户使用支付方手机的该软件终端登录进入支付方用户账号时支付方用户能够在支付方手机的该软件终端上显示支付方用户的支付方图形，代收方用户能够使用代收方手机的该软件终端登录进入代收方用户账号后扫描支付方用户的支付方图形并使用该软件终端的代收款功能来使支付方向收款方进行付款，其中，该付款完成后代收方用户账号会收到付款确认信息。A method for payment collection, characterized in that the service platform can communicate with the mobile phone through the network, and the service platform releases a software terminal that can be run on the mobile phone, and different users respectively have user accounts on the service platform, and different users can respectively Using the software terminal on different mobile phones to log in to the same user account on the service platform, one user account can use the software terminal to make payment to another user account through the service platform, wherein three different user accounts of the service platform can respectively As a payer, a collector and a payee, the software terminal has a collectible payment function, wherein the payer user can be in the payer's mobile phone when the payer user uses the software terminal of the payer's mobile phone to log in to the payer user account The software terminal displays the payer user's payer graphic, and the recipient user can use the software terminal of the recipient mobile phone to log in to the recipient user account, scan the payer user's payer graphic and use the software terminal. The collection function allows the payment to be paid to the payee. , The payment recipient offspring completed user account will receive payment confirmation.
  38. 根据权利要求36或37所述的支付收款的系统或方法，其特征在于，用户在登录该收款方用户账号后能查看到通过该代收款功能收到的付款并能够识别出该付款是通过该代收方进行的，A system or method for payment collection according to claim 36 or 37, wherein the user can view the payment received through the payment function after logging in to the payee user account and can identify the payment. Is carried out by the collection party,
  39. 根据权利要求36或37所述的支付收款的系统或方法，其特征在于，支付方图形是二维码。A system or method for payment collection according to claim 36 or 37, wherein the payer graphic is a two dimensional code.
  40. 根据权利要求36或37所述的支付收款的系统或方法，其特征在于，支付方图形是图形码。A system or method for payment collection according to claim 36 or 37, wherein the payer graphic is a graphic code.
  41. 根据权利要求36或37所述的支付收款的系统或方法，其特征在于，支付方图形能对应确定支付方。A system or method for payment collection according to claim 36 or 37, wherein the payer graphic is capable of correspondingly determining the payer.
  42. 根据权利要求36或37所述的支付收款的系统或方法，其特征在于，每个支付方图形只能用于一次支付。A system or method for payment collection according to claim 36 or 37, wherein each payer graphic can only be used for one payment.
  43. 根据权利要求36或37所述的支付收款的系统或方法，其特征在于，能够在服务平台收款的用户账号都能够作为收款方，能够在服务平台付款的用户账号都能够作为支付方，服务平台的用户账号都能够作为任一收款方的代收方。A system or method for payment collection according to claim 36 or 37, wherein the user account capable of collecting money on the service platform can be used as a payee, and the user account that can be paid on the service platform can be used as a payer. The user account of the service platform can be used as the collection party of any payee.
  44. 根据权利要求36或37所述的支付收款的系统或方法，其特征在于，同一用户账号能够作为代收方为不同用户账号的不同收款方进行收款。A system or method for payment collection according to claim 36 or 37, wherein the same user account is capable of collecting as a recipient for different payees of different user accounts.
  45. 根据权利要求36或37所述的支付收款的系统或方法，其特征在于，付款完成后支付方用户账号会收到付款确认信息。A system or method for payment collection according to claim 36 or 37, wherein the payment party user account receives payment confirmation information after the payment is completed.
  46. 根据权利要求36或37所述的支付收款的系统或方法，其特征在于，付款完成后收款方用户账号会收到付款确认信息。A system or method for payment collection according to claim 36 or 37, wherein the payee user account receives the payment confirmation information after the payment is completed.
  47. 根据权利要求36或37所述的支付收款的系统或方法，其特征在于，付款确认信息中包括支付金额、支付方信息、收款方信息和代收方信息。A system or method for payment collection according to claim 36 or 37, wherein the payment confirmation information includes payment amount, payer information, payee information, and collection party information.
  48. 根据权利要求36或37所述的支付收款的系统或方法，其特征在于，支付方信息、收款方信息和代收方信息分别是支付方用户账号、收款方用户账号和代收方用户账号。A system or method for payment collection according to claim 36 or 37, wherein the payer information, the payee information, and the collector information are a payer user account, a payee user account, and a collector, respectively. user account.
  49. 根据权利要求36或37所述的支付收款的系统或方法，其特征在于，所述的软件终端能够有用于不同操作系统的不同版本。A system or method for payment collection according to claim 36 or 37, wherein said software terminal is capable of having different versions for different operating systems.
  50. 根据权利要求36或37所述的支付收款的系统或方法，其特征在于，所述网络是互联网。A system or method for payment collection according to claim 36 or 37, wherein the network is the Internet.
  51. 根据权利要求36或37所述的支付收款的系统或方法，其特征在于，收款方用户登录收款方用户 账号后能够看到自己在一段时间内的收款列表，收款方在该列表中能够区分出代收款或者能够看到代收款的收款方。A system or method for payment collection according to claim 36 or 37, wherein the payee user logs in to the payee user After the account number, you can see your collection list for a period of time. The payee can distinguish between the collection payment and the payee who can see the collection.
  52. 根据权利要求36或37所述的支付收款的系统或方法，其特征在于，收款方用户登录收款方用户账号后能够看到某个代收方在一段时间内为自己代收款的收款列表或收款总额或全部以上两者。The system or method for payment collection according to claim 36 or 37, wherein the payee user can log in to the payee user account and can see that a certain collector collects money for himself for a period of time. Collection list or total amount of receipts or both.
  53. 根据权利要求36或37所述的支付收款的系统或方法，其特征在于，代收方用户登录代收方用户账号后能够看到自己为某个收款方在一段时间内代收款的收款列表或收款总额或全部以上两者。 A system or method for payment collection according to claim 36 or 37, wherein the recipient user can see that he or she is collecting money for a certain period of time after logging in to the recipient user account. Collection list or total amount of receipts or both.
PCT/CN2017/074462 2016-03-18 2017-02-22 Collection system or method in payment WO2017157148A1 (en)

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