139results about How to "Improve payment experience" patented technology

The invention discloses a mobile intelligent terminal payment method and system based on low-power-consumption Bluetooth. The method comprises the following steps: (a) connecting a cashier payment terminal with external Bluetooth communication equipment; (b) inputting order information into the cashier payment terminal, and establishing local wireless connection through the external Bluetooth communication equipment and a mobile intelligent terminal; (c) requesting for the cashier payment terminal to obtain the order information by the mobile intelligent terminal; and (d) connecting the mobile intelligent terminal with a payment platform to acquire account information after the order information is received, transmitting the account information to the cashier payment terminal, wherein the cashier payment terminal is connected with the payment platform, and performing payment authorization according to the acquired account information. According to the mobile intelligent terminal payment method and system based on low-power-consumption Bluetooth provided by the invention, a cashier system is combined with online payment of the mobile intelligent terminal, and the conventional cashier system is not needed to be transformed, so that the convenience and intelligent selection of transaction and payment are greatly improved.

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.

A method for controlling electronic game includes processing data information of electronic game to mode supported by communication terminal by game server, sending game control command to retransmission server by communication terminal, using said retransmission server to convert said control command to be format being able to be identified by network, retransmitting control command in converted format to game server and controlling electronic game by game server according to said control command. The control system used for realizing said method is also disclosed.

The invention relates to the field of rail transit ticket checking, and particularly provides a subway ticket checking system and a method based on a mobile intelligent terminal. The system comprises a supporting platform arranged at a network rear end, the mobile intelligent terminal with a network module, a Bluetooth module and a client APP, a station-entering ticket checking terminal and a station-leaving ticket checking terminal, wherein both the station-entering ticket checking terminal and the station-leaving ticket checking terminal are provided with Bluetooth modules, central processing unit modules, storage modules, network modules, PSAM card encryption and decryption modules, and serial port modules; the mobile intelligent terminal is in communication connection with the supporting platform via a wireless network; the mobile intelligent terminal communicates with the station-entering ticket checking terminal or the station-leaving ticket checking terminal via Bluetooth; and the station-leaving ticket checking terminal communicates with the supporting platform via a wired network or wireless network. An intelligent mobile phone widely used currently is used, the subway ticket checking system and the method are built, an electronic consumption voucher is adopted to replace a physical bill, the operating cost of the ticket checking system is reduced, and use by a user is convenient and safe.

The invention provides a multi-channel combined on-line payment method and a payment system. The payment method comprises the steps of arranging payment channel identification bits in payment codes so as to distinguish different payment channels; and arranging payment account identification bits in payment codes so as to cut the payment from a corresponding payment account through a special payment channel. The method and the system have the advantages of 1) avoiding the wrong selection for payment services on a cash-out interface to ensure the accuracy of the payment; 2) completing the payment by a user through any one selection for payment services, without the need of matching with people on the cash-out interface; 3) increasing the payment speed; 4) improving the payment experience; 5) accessing to boundless payment services via a combined virtual payment button to avoid the condition that payment service buttons are too much to be arranged on the cash-out interface; 6) during the occurrence of a payment fault, quickly and accurately finding out the specific fault based on the identification bits in the payment codes so as to facilitate the fault treatment.

The embodiment of the invention discloses an information processing method, an information processing device, a computer device and a computer-readable storage medium, and relates to the field of information processing, which solves the problem in the prior art that the payment operation is complicated. According to the embodiments of the invention, the method comprises the steps of judging whether the current scene of a terminal is a payment scene or not; if the current scene of the terminal is judged to be the payment scene, detecting and judging whether the motion parameters of the terminal meet a preset condition or not; if the motion parameters meet the preset condition, starting and controlling the preset application program of the terminal to generate the payment information, and displaying the payment information by the terminal; receiving a transaction request initiated by a payee terminal according to the displayed payment information; in response to the transaction request, completing the payment operation when the acquired biological feature information of a user is matched with the preset feature information.

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 control method and device, a terminal and a readable storage medium. The payment control method is applied to the terminal and comprises the steps of: when the terminal is in a screen-off state, detecting a current scene where the terminal is in; judging whether the current scene where the terminal is in corresponds to a preset scene; if the scene where the terminal is in currently accords with the preset scene, controlling the terminal to unlock the screen and start a payment interface of a preset application. According to the invention, a payment process canbe simplified and payment experience of users can be improved.

The invention provides a method and a system for performing offline payment by using a digital currency chip card. The method comprises the steps that an acceptance terminal device receives a transaction amount under the condition of not establishing a network connection with a commercial bank digital currency system; a user terminal device obtains the transaction amount from the acceptance terminal device in a short-distance wireless connection manner and sends transaction information to the acceptance terminal device; the acceptance terminal device sends the transaction information to the commercial bank digital currency system after establishing the network connection with the commercial bank digital currency system; the commercial bank digital currency system sends an owner change request to a central bank digital currency system after receiving the transaction information; and the central bank digital currency system changes an owner of a digital currency to a merchant code corresponding to the acceptance terminal device after receiving the owner change request. Through the method and the system, the payment experience of consumers in a consumption process can be effectively improved under the condition of ensuring payment security.

An embodiment of the invention discloses a payment method and device, a computer device and a readable storage medium so as to realize rapid payment. The method comprises the following steps: obtaining reflection images in eyeballs of a user; judging whether the user needs to perform payment operation according to the reflection images; and if the user needs to perform the payment operation, starting a preset payment application in a terminal, and displaying a payment interface corresponding to the preset payment application in a current display interface of the terminal.

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 invention provides an electricity charge payment method based on non-contact communication, a payment channel and a payment system. The method comprises steps that S1, user identity authentication is accomplished on a mobile terminal by a user, a unique intelligent meter code belonging to the user is acquired, and a network communication channel is established through utilizing the network of the mobile terminal and a charging main station; S2, the mobile terminal is made to realize short distance contact with the intelligent meter by the user, a short distance communication channel between the mobile terminal and the intelligent meter is established, and payment is initiated to the charging main station through the mobile terminal; S3, the payment information of the user is received by the charging main station, and payment of the intelligent meter is directly carried out through the short distance communication channel established between the mobile terminal and the intelligent meter. The method is advantaged in that payment can be accomplished through the non-contact short distance communication channel by utilizing a self-contained NFC communication function of a handset and the intelligent meter, a payment process is made to be convenient and rapid, communication is more reliable and rapid, payment can be rapidly accomplished, and disadvantages of payment in the prior art are solved.

The invention provides a system for managing the payment success rate on the basis of an international card payment channel, and meanwhile provides a method for managing the payment success rate by means of the system. Results of payment of a buyer credit card in a payment channel and failure reasons of payment are classified, a transaction which can not be successfully paid in one payment channel is submitted to another channel for payment, and accordingly the aim of improving the payment success rate is achieved.

The invention provides a payment method and a payment system which support payment verification of a virtual account. According to the invention, a user does not need to carry an IC card, the user is prompted to adopt different payment verification modes according to the amount money to be paid, payment verification data inputted by the user and a serial number of the current payment are sent to a payment core system, and the payment core system is enabled to perform verification according to account opening information inputted by the user when the account is opened. For large-amount payment, the user is prompted to sequentially input fingerprint data, a password and head portrait information, and the payment security of the user is improved; and for small-amount virtual account payment verification, the user is prompted to sequentially input fingerprint data and a password, and small-amount fast payment is realized. The invention further discloses a novel POS machine which further provides a fingerprint input function and a picture taking function while supporting traditional password input, takes a picture for the user when the user performs payment so as to be used for large-amount payment verification or act as a payment record of virtual account payment verification, thereby being convenient for acting as unauthorized payment evidence when unauthorized payment occurs in a later period.

The invention provides a payment authentication device and a payment authentication method, and belongs to the technical field of financial payment.The payment authentication device provided by the invention comprises a biological characteristic information collection module used for collecting the fingerprint information of one or more fingers of a hand of a user, and an account authentication module used for performing account recognition on the plurality of user accounts based on the fingerprint combination information of the fingerprint information, and performing account authentication on the recognized account based on the fingerprint information.According to the payment authentication device and the payment authentication method provided by the invention, the payment is safer, a default account does not need to be set aiming at the plurality of user accounts, selection and switching among the plurality of user accounts is more flexible, and the user payment experience is good.

The invention provides a payment server which comprises a decomposing unit, an acquiring unit, a searching unit, a calculating unit and a communicating unit, wherein the decomposing unit is used for decomposing payment mode data provided by a plurality of proxy servers to generate a plurality of payment channel data and storing the payment channel data to a database; the acquiring unit is used for acquiring and storing the node information experienced by each payment channel; the searching unit is used for finding out the payment channel belonging to the selected payment entrance type according to the payment entrance type selected by the client; the calculating unit is used for calculating the node number experienced by each found-out payment channel; and the communicating unit is used for sending the payment channel data with the least node number to the client. The invention further provides a payment channel acquisition method. According to the technical scheme provided by the invention, a payment channel with the least payment node can be provided to a user automatically in the payment process of the user, thereby reducing the transitional skipping process, reducing expenses in payment, and ensuring the payment rapidness and stability.

The invention discloses a payment interface calling method and a mobile terminal. The method comprises the following steps of when a detection result shows that the rotary camera of the mobile terminal rotates, obtaining the state change data of the rotary camera, and judging whether the state change data meets a preset payment interface calling condition or not; and when the state change data meets the preset payment interface calling condition, calling an appointed payment interface. Compared with the prior art, the method is characterized in that the state change data of the rotary camera meets the preset payment interface calling condition through a way of rotating the rotary camera so as to call the appointed payment interface, an operation is simple and quick, and the payment experience of a user is effectively improved.

The embodiment of the invention discloses a payment method and a terminal. The payment method includes the steps: acquiring a payment request, according to a target user identity label carried in thepayment request, sending the payment data request to a server, wherein the payment data request is used for requesting for the payment statistical data corresponding to the target user identity labelto the server; acquiring the payment statistical data returned from the server, and acquiring each supported payment mode; according to the payment statistical data, sorting the each payment mode, anddisplaying the sorting result of each payment mode; and acquiring the target payment mode selected by the user according to the sorting result, and according to the target payment mode, performing payment. The payment method can solve the problem that a current payment mode restricts the payment selection approach of the user, according to the payment statistical data, can provide various paymentcodes, can reduce the standing time of the user at a cashier, can help the user to simply and quickly complete payment, can maximally improve the order payment success rate, can reduce the order lossrate, and can improve the user payment experience.

The invention discloses a Bluetooth mobile communication terminal and a payment method. The Bluetooth mobile communication terminal comprises a collection account information receiving module, a payment information submitting module, a payment result receiving module and an electronic check payment module. By the embodiment, a collection account and a payment sum can be transmitted through Bluetooth; a payer executes on-line payment operation such as sending a password through a communication network such as a cellular network on a Bluetooth mobile communication terminal of the payer, so that a phenomenon that a user has to sweep a bank card on a point of sales (POS) machine terminal or the user inputs a password of the bank card on the POS machine terminal can be avoided, and the safety of a user account and the password is improved; and when the payer cannot execute on-line real-time payment through the Bluetooth mobile communication terminal because the Bluetooth mobile communication terminal is out of connection with a transaction system, an electronic check payment measure is supplied, so that the payment flexibility is improved, and the satisfaction of the payer and a payee is improved.

The invention relates to an online to offline mobile payment method. The method comprises the steps that: a wallet payment program installed on an intelligent mobile phone is used for being bound to a third party payment account; when payment is initiated, the wallet payment program is used to apply for and receive a payment token from wallet service; by means of a magnetic pulse emitter, the intelligent mobile phone sends a modulation signal including the payment token data to a POS terminal in the form of a magnetic pulse signal, and then the POS terminal sends a tokenized payment request to a conventional merchant-acquiring network; the conventional merchant-acquiring network and a third party payment platform carry out collection settlement; and a settlement result is returned to the POS terminal through the conventional merchant-acquiring network, and the POS terminal outputs bill information.

The invention provides a payment method and mobile terminal involving the field of communication technology. The method is described as follows: to obtain the location information of the mobile terminal when the fingerprint identifier of the mobile terminal receives the touch operations meeting the first preparatory condition and the corresponding fingerprint of the touch operation passes the fingerprint authentication; to search for the payment method corresponding to the said location information and meeting the second preparatory condition; to control the said mobile terminal open the said payment method. It solves the problem that existing payment methods are quite complex in operation and need users to confirm the payment method supported by the consumption place which wastes a relatively long time; on the contrary, it can initiate an appropriate payment method correspondingly according to the location information of the mobile terminal, which reduces user operation steps, improves the accuracy of the payment method initiated and enhances user's payment experience.

The invention provides a stereo antenna capable of deforming arbitrarily. The stereo antenna comprises a flexible substrate and a coil which is arranged on the flexible substrate. The stereo antenna is connected with a chip. The stereo antenna can be folded into a two-dimensional or three-dimensional structure. Therefore, the stereo antenna can gain more magnetic flux, the card swiping distance is increased in disguised form, and the payment experience is improved.

The present invention discloses an airborne terminal payment authentication method, device and system. The method comprises: receiving a payment authentication request sent by a server, and forwarding the payment authentication request to a user device which has established communication connection, wherein the payment authentication request comprises user identification; receiving encryption payment authentication information responding to the user device and sending the encryption payment authentication information responding to the user device to the server, wherein the encryption payment authentication information comprises user identification and user device identification; and receiving an authentication result sent by the server, and performing payment processing according to the authentication result sent by the server, wherein the authentication result shows whether the user identification and the user device identification have binding relation or not. The airborne terminal payment authentication method, device and system can solve the technical problem that the payment safety is bad in the mobile payment technology of the vehicle terminal in the prior art.

The invention discloses a recommendation method for an electronic coupon. The method comprises the following steps that: obtaining current time information and current position information where a user is positioned; according to a preset position screening rule and time screening rule, screening user electronic coupon historical use information matched with the obtained position information and time information, wherein the user electronic coupon historical use information at least comprises historical position information and time information corresponding to the obtained position information and time information, and electronic coupon information used by the user; and recommending the electronic coupon corresponding to the screened user electronic coupon historical use information.

The invention provides a two-dimensional code generation method, an information processing method and device and an information system. The two-dimensional code generation method comprises the steps that a two-dimensional code request of a user is received; first general information in the two-dimensional code request is extracted to generate first order information; and according to the first order information, a two-dimensional code is generated. According to the two-dimensional code generation method, the information processing method and device and the information system, the two-dimensional code which can be identified by more payment instruments is provided; a user does not need to judge which payment instrument is used for code scanning; a payment process is convenient and fast; and the cost of user guide and business operation can be reduced.

The embodiment of the invention provides a route selection method and device for call charge payment. The route selection method specifically comprises the steps of responding to a payment request of a user, and acquiring a telephone number corresponding to the sent payment request; parsing the attribution of the telephone number; querying out multiple call charge payment channels according to the attribution; calculating a channel score of each call charge payment channel according to preset scoring rules; and selecting a call charge payment channel with the highest score from the multiple call charge payment channels to act as a current payment channel. Therefore, the call charge payment channels displayed on a display interface of the user are no longer constant, but dynamically displayed on the display interface of the user according to specific conditions of the multiple call charge payment channels, thereby providing better payment experience for the user, and thus solving a problem of poor user experience caused by the relatively fixed call charge payment channels. In addition, the difference in service of the call charge payment channels is considered, the success rate of call charge payment can also be improved, and the flexibility of payment is enhanced.

The invention provides a payment method and a network system. The payment method comprises the following steps: acquiring the bill information of the current month of the user, and writing the bill information of the current month into the block chain, wherein the bill information of the current month includes the cumulative bill amount of the current user history; receiving payment application information of a user and writing the payment application information into an intelligent contract of the block chain, the payment application information including a payment amount; according to the bill deduction rule preset in the intelligent contract, the payment amount being deducted from the user payment account acquired in advance and a new user history cumulative bill amount being generated,the new user history cumulative bill amount including the difference between the payment amount and the current user history cumulative bill amount. The payment method and the network system providedby the invention can ensure that the payment service is not interrupted, improve the user's payment experience, reduce the down-time of the payment system and the error probability of the payment, and reduce the reconciliation and resale cost of the operator.

The invention discloses a payment method and equipment and a computer readable storage medium. The method comprises the following steps of: obtaining and analyzing payment data of a payment barcode soas to obtain transaction type information, payment card type information and payment barcode information; determining category information of the payment operation through the transaction type information, determining platform information of the payment operation through the payment card type information and determining identity verification information of the payment operation through the payment barcode information; and finally, verifying identify information, executing a money deduction instruction of the payment operation and sending finance updating information to a background resource management platform. According to the payment method and equipment and the computer readable storage medium, an efficient mobile payment scheme which is suitable for general commercial requirements isrealized, and the mobile payment process is enriched and completed at the same time; and a comprehensive and systematic marketing payment management system among consumers, sellers and merchants is established, so that the payment experience of user sides is improved and the payment management ability of marketing sides is strengthened.

The invention discloses a payment route selection method, device and equipment and a storage medium. The method comprises the following steps of receiving a current payment request sent by a user, andobtaining a plurality of available payment routes; searching a target decision tree model corresponding to the current payment request in a preset database; screening a plurality of available paymentroutes based on the target decision tree model; taking the screened available payment route as a target payment route for payment; determining a plurality of available payment routes and decision tree models firstly according to a received current payment request; screening the obtained available payment routes through the decision tree model, and performing payment through the screened target payment route. According to the invention, the tedious operation of manually configuring the routing strategy to select the payment routing by a worker is avoided, the high reliability of the screened payment routing is ensured, the rapid configuration of the payment routing is realized, and the payment experience is improved.