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 voiceprint authentication method and a device. The voiceprint authentication method comprises steps of displaying a character string to a user, wherein the character string comprises a preference character set by the user, and the preference character set by the user is displayed in the character string as a symbol corresponding to the preference character, obtaining voice of reading the character string by a user, obtaining a voiceprint recognition vector of the voice, performing comparison between the voice voiceprint recognition vector and the voiceprint recognition vector registered by the user, and determining the voiceprint authentication result. The invention improves the safety of the payment through comparing the user voiceprint, doesn't need the password inputted by the user and doesn't need the verification password, improves the convenience and payment efficiency in the usage process, satisfies the psychological demand of not hoping that the password is displayed, enhances the user experience and improves the usability of the voiceprint password.

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 method and a device for fee charging at a parking lot, which belongs to the technical field of Internet-of-vehicles. The method comprises the steps of acquiring the position information of the a vehicle in real time; acquiring the position information range of the parking lot; according to the position information and the position information range, acquiring a first time when the vehicle enters the parking lot and a second time when the vehicle leaves the parking lot; according to the first time and the second time, calculating the parking time length of the vehicle in the parking lot; acquiring the fee charging rule of the parking lot, and according to the fee charging rule and the parking time length, calculating the parking cost of the vehicle; and according to the parking cost, performing fee charging on the vehicle. The device comprises a first acquiring module, a second acquiring module, a third acquiring module, a first calculating module, a second calculating module and a fee charging module. The parking lot of the invention does not require personnel and saves manpower. Furthermore a user does not require stopping for paying, and fee paying efficiency is improved.

The invention is suitable for the technical field of network TV (television), and provides a network TV online payment service based account binding method, payment method, account binding device, payment device, network TV server and network TV client. The account binding method comprises the following steps of: receiving bank account information sent by the network TV client, and sending the bank account information to a bank payment system; receiving a random verification code sent by the network TV client for being input by a user and sending the random verification code to the bank payment system to be verified; and binding and storing a bank card number in the bank account information and the network TV client. In the invention, the bank account information and the network TV client used by the user are bound, and a random password sent by the bank payment system is received by a phone terminal of the user to complete the payment, thereby the situation that the bank account information with numerous content is repeatedly input in the payment process is avoided, and the payment efficiency is improved under the premise of ensuring secure payment.

The invention discloses an online broadcast based virtual gift giving method and a device. The method includes: in a process of playing video streaming through a broadcast interface of a client, sending a virtual article giving instruction to a server when the client gives virtual articles to other clients in a same broadcast channel; responding to a payment instruction sent by the server through the broadcast interface, and outputting an access of a payment channel on the broadcast interface of the client; responding to a transaction instruction through the broadcast interface to finish payment, wherein the transaction instruction is generated according to the access of the payment channel determined by a user; determining whether to give the virtual articles to other clients or not according to transaction processing results. By the online broadcast based virtual gift giving method and the device, payment efficiency can be improved, broadcast videos can be watched during payment and gift giving, and accordingly missing of wonderful broadcast plots is avoided, and convenience is brought to the user.

The method comprises: when the payment side makes a payment to the collection side, it sends the payment side ID code, maximal payment, and collection side ID code to the payment platform to generate a transaction code; the payment platform sends the transaction code and maximal payment to the payment side; the payment side sends the transaction code to the collection side; the collection side sends the collection side ID code, transaction code and actual payment to the payment platform; the payment platform sends a message of successful payment to both payment and collection sides.

The invention provides a payment method and a payment device which are applied to a server in communication with a clearing station. Human face registration images and gesture registration images corresponding to various users accounts are stored in the server in advance. The payment method includes receiving a payment request which includes price information of goods purchased currently by a customer and customer's human face images and gesture images acquired by the clearing station and is sent from the clearing station; comparing the human face registration images with the customer's humanface image and carrying out human face identification to the human face image according to the comparison result; if human face identification is successful, subjecting the gesture image and the gesture registration image of the user account corresponding to the identified human face image to gesture matching; if gesture matching is successful, then acquiring currency in a certain amount from thetarget user account according to the price information to complete payment, and sending a prompt of payment success to the clearing station after finishing payment. The payment method has the advantages of high safety and high payment efficiency and can improve consumption experiences of customers.

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 present invention discloses a stereo garage management method and system. The method comprises the steps of: identifying identification two-dimensional codes generated when a vehicle enters a parking lot, and sending vehicle parking request information; distributing a parking stall for the vehicle to be parked according to the vehicle parking request information; performing vehicle parking operation according to the distributed parking stall; identifying the identification two-dimensional codes when the vehicle is picked up, and sending vehicle pick-up request information; determining whether the vehicle to be picked up has paid or not; if yes, distributing a corresponding vehicle pick-up port for the vehicle to be picked up; and performing vehicle pick-up operation according to the distributed parking pick-up port. The stereo garage management method and system perform parking and pick-up of vehicles through scanning of the two-dimensional codes with no need for getting a card toimprove the efficiency of parking and pick-up of the vehicles, avoid traffic jamming and allow vehicle owners not to worry about loss of parking cards to cause that the vehicles cannot be picked up; and moreover, fee payment can be performed prior to vehicle pick-up to avoid queuing payment at the exit of the parking lot so as to facilitate improving 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.

A method, device and system for online payment are disclosed. In some embodiments, the method is performed at a server device having one or more processors and memory for storing programs to be executed by the one or more processors. The method includes receiving an online payment request including information of a payer account and a payee account. The method includes sending prompts for fingerprint information of the payer and the payee to terminal devices associated with the payer and the payee, respectively. The method also includes receiving, from the terminal devices associated with the payer and the payee, first fingerprint information of the payer and second fingerprint information of the payee. The method further includes making the payment from the payer account to the payee account when the payer is authenticated based on the first fingerprint information and the payee is authenticated based on the second fingerprint information.

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 relates to a payment method and device. The method includes the following steps that: a payment request carrying payment amount is sent to a server corresponding to a payment channel, wherein the payment amount is amount to be paid by a payer to a payee; if specified payment information returned by the server is not received in a first preset time period, the credit of the payer is obtained; and when it is determined that a preset advanced payment condition is satisfied according to the obtained credit, the payment amount is paid, and payment success information is outputted to the terminal of the payee. With the payment method and device of the invention adopted, payment time delay caused by many factors such as Internet speed and the condition of the server can be avoided, payment response time is shortened, and payment efficiency is improved.

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.

The application discloses an identity recognition-based payment method. The method includes: acquiring identity information of a user; establishing correspondence relationships of the identity information and orders of the user at a service place; and judging whether an order not paid yet exists after the user leaves the service place, and if yes, paying the order on the basis of a payment accountbound to the identity information. According to the identity recognition-based payment method, payment efficiency is improved, work of the user and a cashier staff in a payment process is reduced, atthe same time, the user is also enabled to have no perception on the payment process, and more convenient and more humanized payment experience is provided for the user.

The embodiment of the invention discloses a payment method and a terminal. The payment method comprises the steps of acquiring current location information; acquiring coupon information corresponding to points of interest whose distance to the current location is less than a first preset distance value according to the current location information, and pushing the coupon information to a user; acquiring a target coupon selected by the user; and if a preset operation for triggering payment is detected, using the corresponding target coupon to perform discounted payment. According to the invention, coupon information can be pushed to the user according to the geographical location, and discounted payment can be performed automatically in payment according to the target coupon selected by the user, so that 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 present invention discloses a voice control based payment control method, device and system, and a storage medium, and belongs to the field of payment. The payment method comprises that: a voice recognition device receives an audio collection instruction, takes the audio collection instruction as a first collection instruction, voices the payment amount in the first collection instruction, generates a second collection instruction containing the payment amount, and saves the second collection instruction to a preset storage location; a cash register device obtains the second collection instruction, displays the payment amount in the second collection instruction to the user, obtains payment authorization information of the user, and returns a payment result to the voice recognition device after the payment is completed through a payment server; and the voice recognition device receives the payment result. According to the technical scheme of the present invention, the voice recognition device is independent of the cash register device, and the voice recognition-based payment can be completed without performing the voice recognition function embedding on the cash register device, so that not only the accuracy of the voice recognition is ensured, but also convenience is brought to the cashier, and the efficiency of payment is improved.

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.