WO2018133502A1 - Plaque et système de paiement intelligents - Google Patents

Plaque et système de paiement intelligents Download PDF

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Publication number
WO2018133502A1
WO2018133502A1 PCT/CN2017/109351 CN2017109351W WO2018133502A1 WO 2018133502 A1 WO2018133502 A1 WO 2018133502A1 CN 2017109351 W CN2017109351 W CN 2017109351W WO 2018133502 A1 WO2018133502 A1 WO 2018133502A1
Authority
WO
WIPO (PCT)
Prior art keywords
payment
module
information
payment card
smart
Prior art date
Application number
PCT/CN2017/109351
Other languages
English (en)
Chinese (zh)
Inventor
孙瑞峰
Original Assignee
广州亿圣信息科技有限公司
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 广州亿圣信息科技有限公司 filed Critical 广州亿圣信息科技有限公司
Publication of WO2018133502A1 publication Critical patent/WO2018133502A1/fr

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment

Definitions

  • the utility model belongs to the field of intelligent payment technologies, and in particular relates to a smart payment card and system.
  • the collection status (success or not), the amount of the payment, and the receipt and confirmation of the payment information of the payer require the payee to operate the collection terminal or view
  • the payer's payment device the former causes the payee to operate complicatedly, prolongs the transaction between the two parties, and reduces the payment efficiency.
  • the latter leads to fraudulent loopholes in the receipt, for example, the payer displays a screenshot of the last payment to the payee.
  • a technical solution of a payment APP and a two-dimensional code running on a smart terminal is adopted, wherein the two-dimensional code is a mechanically-structured printed handicraft, excluding an intelligent device, thereby causing confirmation of payment.
  • Recipients need to operate the payment APP, which reduces the efficiency and speed of collection.
  • some APPs have the function of voice broadcast payment information, they are limited by the portability of smart devices, the privacy of personal items, the speaker output power and other factors. It is difficult to achieve the design purpose of the voice reminder payment information.
  • the APP running on the receiving mobile phone side can perform voice broadcast on the payment information, but the payee needs to hold or carry the smart phone running the APP.
  • the person holding or carrying the smartphone is not on the payment site, others cannot directly confirm the payment information, and can only use the indirect method of fraudulent vulnerability (see the page where the payer's smartphone payment is completed), so that its use is restricted.
  • the average speaker output power of the existing smart phone is lower than 1 watt, it is difficult to hear the payment information of the voice broadcast in the noise environment of the payment site.
  • the purpose of the utility model is to provide a smart payment card and system, which is convenient for the payee to confirm the payment information, make up for the loophole, shorten the transaction time, and improve the payment efficiency.
  • a smart payment card includes a payment card base, a communication module and a reminder module are disposed in the payment card base, and the communication module is communicated with an external payment platform.
  • the communication module and the reminder module are connected, wherein:
  • the communication module is configured to receive payment information sent by an external payment platform after performing a payment operation, and send the payment information to the reminding module, where the payment information is text information or voice information;
  • the reminding module is configured to prompt the user according to the payment information.
  • a further technical solution of the present invention is that a control module is further disposed in the payment card base, and the communication module and the reminder module are respectively connected to the control module;
  • the communication module is further configured to send the payment information to the control module
  • control module is configured to send a reminder instruction to the reminder module according to the payment information
  • the reminding module is further configured to prompt the user according to the reminding instruction.
  • a further technical solution of the present invention is that the smart payment card further includes a two-dimensional code disposed on the base of the payment card, and the two-dimensional code is detachably connected to the payment card base or Fixed connection.
  • the card base is provided with a card slot for latching the two-dimensional code.
  • the two-dimensional code adopts a suspension structure
  • the suspension structure includes one or more of a hanging chain method, a magnet adsorption method, and a pasting manner.
  • the payment card base is further provided with a display, wherein the display is used to display the payment information, the collected two-dimensional code graphic information, the barcode, and the advertisement information.
  • the display is connected to the control module.
  • a sensor for collecting environmental information is further disposed in the payment card base, and the sensor is connected to the control module.
  • the senor is a distance sensor, and the distance sensing The device is connected to the control module, and the distance sensor is configured to detect distance information between the user and the payment card base.
  • the display is configured to use the distance information according to the distance information. Displaying the received two-dimensional code graphic information, and when the distance information is up to the predetermined distance value, the display is configured to display the advertisement information.
  • the payment card base is further provided with a repeated reminding module, wherein the repeated reminding module is configured to repeatedly remind the last payment information, the repeated reminding module and the control Module connection.
  • a button for controlling the repeated reminder module to be turned on or off is disposed on the payment card base, and the button is connected to the control module.
  • the payment card base is further provided with a lighting device, and the lighting device is connected to the control module.
  • the reminding module includes one or more of a voice reminding module, a display reminding module, a photoelectric reminding module, and a somatosensory reminding module.
  • the present invention further provides an intelligent payment system, the system comprising the smart payment card, the payment platform and the network device as described above, wherein the smart payment card and the payment platform are in communication connection with the network device.
  • the system further includes a server, and the server is respectively connected to the payment platform and the network device.
  • the utility model has the following advantages: the smart payment card and the system provided by the utility model, the smart payment card includes a payment card base, and the communication card base is provided with a communication module and a reminder module.
  • the communication module is connected to the external payment platform, and the communication module is connected to the reminder module, wherein: the communication module is configured to receive payment information sent by the external payment platform after the payment operation, and send the payment information to the
  • the reminding module the payment information is text information or voice information
  • the reminding module is configured to prompt the user according to the payment information, make up the collection loophole, facilitate the payee to confirm the payment information, and shorten the transaction time.
  • FIG. 1 is a schematic diagram of functional modules of a first embodiment of a smart payment card provided by the present invention
  • FIG. 2 is a schematic diagram of functional modules of a second embodiment of the smart payment card provided by the present invention.
  • FIG. 3 is a perspective structural view of a third embodiment of the smart payment card provided by the present invention.
  • FIG. 4 is a perspective structural view of a third embodiment of a smart payment card provided by the present invention.
  • FIG. 5 is a schematic diagram of functional modules of a third embodiment of the smart payment card provided by the present invention.
  • FIG. 6 is a schematic diagram of the principle of the first embodiment of the intelligent payment system provided by the present invention.
  • FIG. 7 is a schematic diagram of the principle of a second embodiment of the intelligent payment system provided by the present invention.
  • reminder module -102
  • control module -103 [0039] control module -103;
  • repeat reminder module -104
  • button -50 [0044] button -50;
  • network device -70 [0046] network device -70;
  • the solution of the embodiment of the present invention is mainly as follows:
  • the smart payment card provided by the utility model includes a payment card base, the communication card base is provided with a communication module and a reminder module, and the communication module and the external payment
  • the communication module is connected to the reminder module, wherein: the communication module is configured to receive payment information sent by the external payment platform after the payment operation, and send the payment information to the reminding module, where the payment is The information is text information or voice information; the reminding module is configured to prompt the user according to the payment information, so that the payee can confirm the payment information, so that the operation procedure of the payee is exempted from being shortened in the face-to-face project. Improve the efficiency of payment during the transaction.
  • the collection status (success or not), the collection amount, and the payment information of the payer and the like are required to be received and confirmed, and the payee operates the collection terminal, resulting in the operation of the payee. It is complicated, prolongs the transaction between the two parties, reduces the efficiency of payment, and has fraudulent loopholes.
  • the receiving terminal that collects money can broadcast the payment information, but the payee needs to hold or carry the receiving terminal that runs the APP.
  • the utility model provides a solution, which is convenient for the payee to confirm the payment information, shorten the transaction time, and improve the payment efficiency.
  • the smart payment card of the present invention provides a first embodiment, the smart payment card includes a payment card base 10, and the communication card base 10 is provided with a communication module 101 and a reminder module 102, the communication module 101 is in communication with an external payment platform, and the communication module 101 is connected to the reminder module 102, wherein: the communication module 101 is configured to receive payment information sent by an external payment platform after performing a payment operation, and Sending the payment information to the reminder module 102, the payment information is text information or voice information; the reminding module 102 is configured to prompt the user according to the payment information.
  • the payment platform includes Alipay, WeChat, Quick Money, Baifubao, Tenpay, Yibao, Shouxinyi, Good Payment, PayPal, PayPal. UnionPay, Bank, Second Party One or more of payment, third party payment, and fourth party payment.
  • the payment information includes a notification period, a notification type, a notification verification ID, a signature type, a signature, a transaction number, an app_id of the sender, a merchant order number, a merchant service number, a buyer user number, and a buyer account number. , seller user number, seller account number, transaction status, order amount, paid amount, invoice amount, payment amount, One or more of the collection amount, the total refund amount, the actual refund amount, the order title, the product description, the transaction creation period, the transaction payment period, the transaction end period, and the payment amount information.
  • the communication module 101 may be an Ethernet module, a CAN bus module, an RS232 module, an RS485 module, a Bluetooth module, a WIFI module, a GPRS module, a 3G module, a 4G module, a 5G module, an NFC module, an NB-IOT module, and One or several of the LORA modules.
  • the reminding module 102 is a module for converting the payment information into a reminder signal that the sensory of the human body can recognize, such as one or more of a voice reminding module, a display reminding module, a photoelectric reminding module, and a somatosensory reminding module.
  • the payment platform sends the payment information to the communication module 101, wherein the payment information may be text information or voice information.
  • the communication module 10 1 sends the payment information to the reminding module 102, and the reminding module 102 performs a reminding according to the payment information, wherein the reminding mode may be a voice reminding and displaying One or more of reminder, photoelectric reminder and somatosensory reminder, so that the payee can confirm the payment information, shorten the transaction time and improve the payment efficiency.
  • the smart payment card provided in this embodiment includes a payment card base 10, and the payment card base 10 is provided with a communication module 101 and a reminder module 102, and the communication module 101 is connected with an external payment platform.
  • the communication module 101 is connected to the reminder module 102, wherein: the communication module 101 is configured to receive payment information sent by an external payment platform after performing a payment operation, and send the payment information to the reminding module 102, where the payment information is The message module or the voice information is used to prompt the user according to the payment information, so that the payee can confirm the payment information, make up the loophole of the payment fraud, shorten the transaction time, improve the payment efficiency, and improve the Humanized experience.
  • the smart payment card of the present invention provides a second embodiment.
  • the difference between the embodiment and the first embodiment is that the smart card provided in this embodiment is further provided with a control module 103, and the communication module 101 and the reminder module 102 are respectively connected to the control module 103.
  • the communication module 101 is further configured to send the payment information to the control module 103; the control module 103 is configured to send the payment information to the reminder module 102 according to the payment information.
  • the reminding module 102 is further configured to prompt the user according to the reminding instruction.
  • the control module 103 is further configured to convert the text information into voice information by using TTS and to the reminding module 1 02 sends a reminder instruction, and then the reminder module 102 prompts the user according to the reminder instruction.
  • the smart payment card provided by the embodiment facilitates the payee to confirm the payment information, make up the loophole of the payment fraud, shorten the transaction time, improve the payment efficiency, and further improve the humanized experience.
  • the third embodiment of the present invention provides a smart payment card, and the payment card further includes a setting card.
  • the two-dimensional code 20 on the payment card base 10 is detachably or fixedly connected to the base.
  • the two-dimensional code 20 may be disposed on the payment card base 10 by printing, engraving or casting, or may be disposed on the payment card base 10 by a buckle, a bolt or a magnet.
  • a card slot may be disposed on the payment card base 10 to place the two-dimensional code 20 in the card slot. In this way, the user is convenient to place an order by scanning the two-dimensional code 20 to the payment platform, thereby improving payment efficiency.
  • the two-dimensional code may also adopt a suspension structure, and the suspension structure includes one or several types of a hanging chain method, a magnet adsorption method, and a pasting manner.
  • the 10 is provided with a display 30 and a sensor 40, wherein the display 30 is used to display the payment information
  • the display 30 is connected to the control module 103.
  • the sensor 40 is used to collect surrounding environment information, and the sensor 40 is connected to the control module 103.
  • the senor 40 can be one or more of a distance sensor, a pyroelectric sensor, a temperature sensor, a humidity sensor, a voice sensor, a gravity sensor, an acceleration sensor, a geomagnetic sensor, and a positioning sensor.
  • a distance sensor may be selected, and the distance sensor is configured to detect distance information between the user and the payment card base 10, and when the distance information reaches a predetermined distance value, the display 30, displaying the two-dimensional code graphic information of the receipt according to the distance information.
  • the paying party may place an order for the payment platform by scanning the two-dimensional code graphic, and after the payment party completes the payment, the payment is displayed by the display 30.
  • the payment information, or the voice message is played by the reminder module; when the distance information
  • the display 30 displays the advertisement information when the predetermined distance value ⁇ is not reached.
  • the predetermined distance value may be set according to actual experience. In this way, the payment efficiency is further improved, and the humanized experience is improved.
  • the payment card enters a sleep state to reduce power consumption, and improves the battery life of the battery.
  • the payment card base 10 is further provided with a repeat reminding module 104, and the repeated reminding module 104 and the control
  • the module 103 is connected, and the payment card base 10 is provided with a button 50 for controlling the repeated reminder module 104 to be turned on or off.
  • the button 50 is connected to the control module 103.
  • an illumination device such as an illumination lamp
  • the illumination device is connected to the control module to facilitate payment in a dark environment.
  • the mobile phone or other payment terminal is used to scan the received QR code 20 to complete the order operation.
  • a voice play hole may also be disposed on the pay card base.
  • the smart payment card provided by the present invention includes a payment card base 10, and the payment card base 10 is provided with a communication module 101 and a reminder module 102, and the communication module 101 and an external payment platform are provided.
  • the communication module 101 is connected to the reminder module 102, wherein: the communication module 101 is configured to receive payment information sent by the external payment platform after the payment operation, and send the payment information to the reminding module 102.
  • the payment information is text information or voice information; the reminding module 102 is configured to prompt the user according to the payment information, so that the payee can confirm the payment information, make up the loophole of the payment fraud, shorten the transaction time, and improve the payment. Efficiency, enhances the human experience.
  • the present invention also provides an intelligent payment system.
  • the first embodiment of the system includes a smart payment card, a payment platform 60, and a network device 70.
  • the payment platform 60 is in communication with the network device 70.
  • the smart payment card may use the smart payment card described in the foregoing embodiment, and the function module and the implementation principle of the smart payment card, refer to the foregoing embodiments, and details are not described herein again.
  • the network device 70 can be one or more of a smart phone, a router, a gateway, a base station, a wireless AP, and a computer.
  • the payer scans the two-dimensional code 20 ⁇ on the payment card base 10 through the mobile phone, the payment generated after the payment is completed
  • the related payment information such as the result or status is sent to the network device 70 through the payment platform 60, and the related payment information is sent by the network device 70 to the smart payment card, thereby realizing the reminder of the payment information.
  • the second embodiment of the utility information intelligent payment system may further include a server 80, and the server 80 and the payment platform 60 and the network device 7 respectively. 0 communication connection.
  • the payment party scans the two-dimensional code 20 ⁇ on the payment card base 10 through the mobile phone
  • the related information of the payment request or the order is sent to the payment platform 60 via the server 80, and after the payment operation is completed,
  • the payment platform 60 sends the relevant payment result or status information to the server 80, and then the server 80 sends the relevant payment information to the smart payment card via the network device 70, thereby implementing the payment information pair.
  • the user makes a reminder.
  • the payment party scans the two-dimensional code 20 on the payment card base 10 through the mobile phone
  • related information such as a payment request or an order generated by the scan may be directly sent to the payment platform 60, and the payment is completed.
  • the payment platform 60 sends the payment result or status information to the smart payment card via the network device 70 to implement the reminding of the payment information to the user.
  • the smart payment system includes a smart payment card, a payment platform, and a network device, and the smart payment card and the payment platform are in communication with the network device, and the payment is made through the smart payment card.
  • the information reminds the user, which is convenient for the payee to confirm the payment information, shorten the transaction time, improve the payment efficiency, make up for the fraud loophole, and enhance the humanized experience.

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Telephonic Communication Services (AREA)

Abstract

L'invention concerne une plaque et un système de paiement intelligents, comprenant une base de plaque de paiement (10). Un module de communication (101) et un module de rappel (102) sont disposés à l'intérieur de la base de plaque de paiement (10), le module de communication (101) étant en connexion de communication avec une plateforme de paiement externe (60), et le module de communication (101) étant connecté au module de rappel (102). Le module de communication (101) est utilisé pour recevoir des informations de paiement envoyées par la plateforme de paiement externe (60) après la réalisation d'une opération de paiement, et envoyer les informations de paiement au module de rappel (102), les informations de paiement étant des informations textuelles ou des informations vocales. Le module de rappel (102) est utilisé pour rappeler des informations à un utilisateur selon les informations de paiement. Le système facilite la confirmation d'informations de facturation par un bénéficiaire, réduit le temps de transaction, améliore l'efficacité de paiement, et compense les échappatoires frauduleuses.
PCT/CN2017/109351 2017-01-18 2017-11-03 Plaque et système de paiement intelligents WO2018133502A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
CN201720058025.6U CN206532330U (zh) 2017-01-18 2017-01-18 智能支付牌及系统
CN201720058025.6 2017-01-18

Publications (1)

Publication Number Publication Date
WO2018133502A1 true WO2018133502A1 (fr) 2018-07-26

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WO (1) WO2018133502A1 (fr)

Cited By (2)

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CN108765245A (zh) * 2018-08-25 2018-11-06 咪付（广州）网络科技有限公司 一种基于NB-IoT的公交车定位及检票系统
CN109741555A (zh) * 2019-02-13 2019-05-10 上海喔噻互联网科技有限公司 一种收银装置

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Publication number Priority date Publication date Assignee Title
CN107274190A (zh) * 2017-01-18 2017-10-20 孙瑞峰 智能支付牌及系统
CN206532330U (zh) * 2017-01-18 2017-09-29 孙瑞峰 智能支付牌及系统
CN107944858A (zh) * 2017-11-13 2018-04-20 李保安 一种支付信息的提示系统及方法
CN112866478A (zh) * 2019-11-27 2021-05-28 中兴通讯股份有限公司 操作提醒方法、系统、网络设备和可读存储介质

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CN202548961U (zh) * 2012-03-15 2012-11-21 李川韶 一种可以接收支付数据信息的终端装置
CN205388799U (zh) * 2016-02-21 2016-07-20 深圳前海云东家科技有限公司 一种具有副显示屏的收银机
CN206532330U (zh) * 2017-01-18 2017-09-29 孙瑞峰 智能支付牌及系统
CN107274190A (zh) * 2017-01-18 2017-10-20 孙瑞峰 智能支付牌及系统

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Publication number Priority date Publication date Assignee Title
CN202548961U (zh) * 2012-03-15 2012-11-21 李川韶 一种可以接收支付数据信息的终端装置
CN205388799U (zh) * 2016-02-21 2016-07-20 深圳前海云东家科技有限公司 一种具有副显示屏的收银机
CN206532330U (zh) * 2017-01-18 2017-09-29 孙瑞峰 智能支付牌及系统
CN107274190A (zh) * 2017-01-18 2017-10-20 孙瑞峰 智能支付牌及系统

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* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN108765245A (zh) * 2018-08-25 2018-11-06 咪付（广州）网络科技有限公司 一种基于NB-IoT的公交车定位及检票系统
CN109741555A (zh) * 2019-02-13 2019-05-10 上海喔噻互联网科技有限公司 一种收银装置

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