391results about How to "Improve payment efficiency" patented technology

The embodiment of the invention provides a payment command-based paying method, a paying terminal and a system. The paying method comprises the following steps: a paying side acquires commodity payment information which at least comprises the payment amount; the paying side generates a payment command according to the commodity payment information and paying side payment information; the paying side sends out the payment command to guarantee that the payment service side completes payment according to the payment command. According to the embodiment of the invention, the payment information of the commodity is acquired in a near field or on spot manner, the payment command is generated according to the payment information of the local paying side, and the paying process based on the payment command is completed subsequently. The payment process is completed without using memory cards, credit cards or other bank cards, or executing card reading, user inputting or other actions, so that the payment process is simplified, the error rate is reduced, and the payment efficiency is improved.

The invention discloses a block chain token payment method based on a credible two-dimensional code. According to the method, by means of the block chain, namely, the service technology, and the manner of combining an online wallet and an offline wallet, and the payment efficiency is improved while the safety is guaranteed; and meanwhile, the encrypted two-dimensional code is used for carrying outthe Bitcoin payment, and the convenience of the two-dimensional code is greatly improved compared with the traditional Bitcoin payment process of inputting a long password, meanwhile, the security ofthe transaction in the payment process is ensured by the encryption algorithm.

The invention discloses a payment method which is applicable to electronic equipment and comprises the following steps: enabling the electronic equipment to enter a predetermined state; under the predetermined state, receiving the predetermined operation of a user; responding to the predetermined operation, and authorizing specific payment application program to directly complete payment within the first scheduled time threshold value after the predetermined operation; receiving the payment request within the first scheduled time threshold value; responding to the payment request, and directly completing payment by the specific payment application program.

The present application discloses methods, devices and systems for information processing, and in particular for financial transactions. In some embodiments, a check-out terminal acquires and decrypts an encrypted image displayed by or sent from a paying terminal associated with a user. The encrypted image encodes information such as account identifiers and a payment amount. Then, the check-out terminal sends a payment request to a server so that the server can respond with a message that prompts the user to provide verification information. In some embodiments, the prompting message is displayed by the check-out terminal and the verification in formation includes biometric information of the user. The verification information is transferred from the check-out terminal to the server to be used by the server to verify the payment request. If the verification is successful, the server generates processing results for the payment request and sends the results to the check-out terminal.

The invention discloses a trading payment method and system. The trading payment method comprises the steps of collecting merchant request parameters; matching and guiding a route recommendation template, and obtaining a brand list; calling a payment route and performing screening for outputting an optimal payment channel; generating a payment page; obtaining a selected bank card type and an input card number; and judging whether a card bin of the card number supports output of the optimal payment channel or not, and if yes, sending information by using the output optimal payment channel and displaying channel elements of the output optimal payment channel for a user to perform filling and finish payment, or otherwise, calling the payment route again, performing re-screening in payment channels supporting the card bin of the card number for outputting the optimal payment channel, sending the information by using the latest screened-out output optimal payment channel and displaying channel elements of the latest screened-out output optimal payment channel. According to the method and the system, the deficiency of low payment success rate in the prior art can be made up for, the payment success rate is increased, the benefits are increased, and the cost is reduced.

The invention discloses a consumption payment method based on a vehicle identity electronic identification. The method comprises the following steps: establishing a charging account corresponding to the vehicle identity electronic identification on a background which records vehicle identity information and is fixedly connected with a vehicle identity electronic identification management system on a vehicle, and establishing an payment account which is associated with the charging account and comprises payment subject information in the background; when vehicle-involved consumption happens to the vehicle, reading and transmitting consumption information to the background by the electronic identification management system; after charging is performed in the charging account corresponding to the vehicle identity electronic identification, turning to the payment account which is associated with the charging account, and performing payment of charges by a payment subject. According to the method, the charging account and the payment account are separated from each other and are processed according to specified associated information; automatic, safe and convenient payment of various types of vehicle-involved consumption in a cross-region, multi-payment-subject and low-rate environment can be realized; the convenience in the payment of the vehicle-involved consumption and the payment efficiency are greatly improved; the resources are saved; effective administration of the vehicle-involved consumption is favorably realized.

The embodiment of the invention provides a financial data processing method, device and equipment and a storage medium. The method comprises the following steps of receiving an official business activity application sent by a first terminal device, wherein the official business activity application comprises an employee identifier, official business request information and an expense budget condition; and sending the official business activity application to a second terminal device for examination and approval, receiving an approval result returned by the second terminal device, and if the approval result indicates that the approval is passed, executing the operation requested by the official business request information according to the employee identifier. According to the scheme, the enterprise finance management and payment efficiency is improved, the content and money of the financial expenditure generated by the official business are accurately known and controlled, and the business consumption experience is improved.

The invention provides a network-based payment method and a network payment server. The method comprises the steps that registration authentication information of a merchant is verified, and multiplepayment channels are displayed on a merchant interface after verification of the registration authentication information is passed; a parameter setting interface corresponding to the payment channel is accessed according to the payment channel selected by the merchant so that the merchant is enabled to set the channel side parameters about the payment channel at the parameter setting interface; the payment service of the payment channel through parameter setting is opened according to the access operation of the merchant; and the payment instruction of the user is received and the relevant information of the merchant is verified, and the payment channel according to the payment instruction of the user is automatically connected after passing of verification so that order payment can be completed. With application of the method, the payment service can be provided for the merchant more conveniently so as to enhance the payment efficiency.

The present application relates to cloud services and provides a payment method and device, a computer device and a storage medium. The method comprises the following steps of receiving a first payment request with payment parameters sent by a service server, and obtaining a candidate account type of the payee according to the payee information; acquiring corresponding historical payment data according to payment parameters and candidate account types; calculating a target payment channel corresponding to each candidate account type according to the payment parameter and the historical paymentdata, and establishing an association relationship between each candidate account type and the corresponding target payment channel; generating corresponding selectable payment information accordingto the candidate account type and returning to the payee terminal; receiving a second payment request sent by a payee terminal, the second payment request carrying a target account type selected according to selectable payment information; obtaining the target payment channel corresponding to the target account type according to the association relationship, and completing the payment through thetarget payment channel corresponding to the target account type, so as to improve the payment efficiency.

The invention provides a payment interface startup method and a mobile terminal, and relates to the field of the communication technology. The method comprises the following steps of: detecting the fingerprint touch operations of a user on at least two fingerprint identifiers of the mobile terminal; and when the fingerprint touch operations meet a preset condition, controlling the mobile terminal to start a payment interface of a payment way corresponding to the fingerprint touch operations. The problem of an existing payment interface startup method that operation is complex and time consumption is long is solved. The method has the beneficial effects that the mobile terminal can be quickly controlled to directly start the payment interface of the corresponding payment way, and payment efficiency is improved while a user operation is lowered so as to improve the payment experience of the user.

The invention provides a payment request processing method, a payment request processing device and a terminal. The method includes the following steps that: after a current terminal receives a payment request, the current user of the current terminal is prompted to allocate total payment amount in the payment request to a plurality of users; whether first target payment amount allocated for each user in the plurality of users is received is judged, if the first target payment amount allocated for each user in the plurality of users is received, each user is prompted to pay the first target payment amount of each user through the target terminal of each user; whether the first target payment amount paid by each target terminal is received is judged, if it is judged that the first target payment amount paid by each target terminal is received, responding to the payment request is allowed; and if the first target payment amount paid by each target terminal is not received, responding to the payment request is refused. With the technical schemes of the invention adopted, payment means can be extended to multi-person payment and multi-card payment; payment efficiency can be improved; the payment means can be enriched; users can be facilitated; and therefore, user experience can be improved.

The invention discloses an express fee password-free payment method and system. The method comprises the following steps that: a payer intelligent terminal places an order, and a background management system generates a payment deduction request and pushes the generated payment deduction request to a courier intelligent terminal; the courier intelligent terminal receives the payment deduction request, acquires a field payment condition and transmits the acquired field payment condition to the background management system; and the background management system acquires the geographical position of the courier intelligent terminal and the order-placing geographical position of the payer intelligent terminal respectively, judges whether or not a preset condition is satisfied, if so, acquires a payment permission command of a payer, and deduces an amount requested to be paid from a payer account in order to finish payment. Double-party identity authentication is finished by acquisition of the geographical positions of the courier terminal and a sender terminal and generation of a dynamic transaction password in a transaction process, so that payment can be finished without inputting of any password. Meanwhile, the security and credibility of transactions are ensured; the payment efficiency and security are improved; and convenience is brought to express fee payment for a user.

The invention discloses a subway payment system through using a mobile terminal for payment and a payment method thereof. The signal is received by the optical sensing module of the mobile terminal and judged by a payment program module and then a distance sensing module is started. The distance sensing module performs detection and the payment program module performs judgment and then a wireless network communication module is started. The unique identification code information of the mobile terminal is transmitted to a subway first intelligent payment terminal and a subway second intelligent payment terminal through the wireless network communication module and then transmitted to a server, the server approves and calculates the subway fare and controls the subway gate to be opened, and deduction confirmation information is transmitted to the mobile terminal through the subway second intelligent payment terminal. All the links of the whole payment process are connected, and the mobile terminal and the server have no direct interaction so that disclosure of the unique identification code information of the mobile terminal can be avoided and the security of the payment process can be guaranteed. The payment efficiency is high, the security is high and the automatic payment experience is provided.

The present invention discloses a method for paying a parking fee, and a server. The method comprises the steps of receiving the payment request of a non-completed order; searching the information corresponding to the non-completed order, wherein the information corresponding to the non-completed order comprises the parking lot information, a parking fee total amount and the vehicle information; searching a corresponding integral payment rule; sending the vehicle information to a member management server corresponding to the parking lot information; receiving the member account information corresponding to the vehicle information and returned from the member management server; generating a payment strategy for the non-completed order; according to the payment strategy, sending a request for deducting integrals served as the parking fee to the member management server; and completing the payment of the non-completed order after receiving the integral deduction confirmation information. According to the technical scheme of the invention, integrals are directly deducted to pay the parking fee. In this way, during the entire process of paying the parking fee, users no longer need to decide how to use integrals. Therefore, the payment efficiency and the user experience are greatly improved.

The invention discloses a mode setting method and an apparatus, and belongs to the field of intelligent equipment. The method includes: receiving radio frequency signals emitted by point of sale (POS) equipment in a predetermined duration; obtaining protocol types of the received radio frequency signals; determining the equipment type of the POS equipment according to the quantity of the protocol types obtained in the predetermined duration; and setting the current payment mode as the rapid payment mode when the equipment type is rapid payment POS equipment, wherein the rapid payment mode is the payment mode without identity verification. According to the mode setting method and the apparatus, the problems that identity verification is needed at each time of NFC payment, the payment process is complicated, and the efficiency is low in the payment process are solved, identity verification is avoided for NFC payment with low security requirement, the payment process is simplified, and the payment efficiency is improved.

Method and device of processing a transaction are disclosed. The method includes: receiving a transaction request from a first transaction device, wherein the transaction request specifies a transaction account associated with a user and a transaction awaiting execution; in accordance with the received transaction request, identifying a second transaction device associated with the transaction account; acquiring first physiological biometric verification data from the first transaction device; acquiring second physiological biometric verification data from the second transaction device; verifying the acquired first and second physiological biometric verification data against stored physiological biometric information associated with the transaction account; and approving the requested transaction upon successful verification of the received first and second physiological biometric verification data.

The invention provides a POS (Point of Sale) transaction method and system adopting fingerprint recognition. The method comprises the following steps: collecting and obtaining first fingerprint information through a wireless intelligent terminal for storage; adopting the wireless intelligent terminal to receive users operation service information to generate consumption information; binding the consumption information with the first fingerprint information for sending to a POS terminal; adopting the POS terminal to receive the consumption information and the first fingerprint information for storing in a data base and sending the consumption information to a background server; when in bill payment, adopting the POS terminal to collect and obtain second fingerprint information, searching the data base to obtain the first fingerprint information which is exactly the same as the second fingerprint information, extracting the consumption information bound with the first fingerprint information for display, and conducting payment operation. The method and system realize self-service ordering, improves the efficiency of order bill processing, guarantees correspondence and accuracy of the order bill with a consumer, improves bill payment efficiency, relieves burden of the manpower cost for merchants, simplifies the ordering and clearing process, and provides better service for the consumer.

The invention discloses an analog card switching method based on NFC. The analog card switching method based on NFC comprises: obtaining current user behavior data; matching the current user behaviordata with a preset user behavior data model, and determining a target type and target switching time of a to-be-switched simulation card; and generating a switching instruction according to the targettype and the target switching time of the analog card to be switched, and switching the type of the analog card to the target type according to the switching instruction when the target switching time is reached. The invention further discloses an analog card switching terminal based on NFC and a computer readable storage medium. According to the invention, an automatic switching function of theNFC simulation card is realized, troubles caused by manual switching are avoided, and the payment efficiency is improved.