Individual paying method based on bar code and bar code scanner

Abstract

The invention relates to a personal charging method based on the barcode and barcode scanning method comprising a user, an enterprise backup stage, an enterprise front end application platform, a bank and the charging terminal having barcode reading function for specified user, wherein the enterprise backup stage generated a barcode bill according to the consumption demand, the charging terminal having the barcode reading function at the client side reads the barcode bill and encrypts the barcode bill information, the bank card and password information to the bank by a specified bank, the bank receives, decrypts, and transfers the fund to the specified account designated by the enterprise, the bank and the enterprise backup stage communicates and the bank receives the returned information from the enterprise backup stage. The advantage of the invention is that the charging terminal is provided for specified user, which is safe, convenient and simple.

Description

technical field [0001] The invention relates to a personal payment method, in particular to a personal payment method based on a bar code and a bar code scanner. Background technique [0002] At present, there are generally three conventional ways for individual users to actively pay bills, including online shopping: (1) carry cash or bank cards to designated public places, such as post offices and other collection outlets, public self-service bill payment equipment, through Manual or self-service operation realizes the payment of public utility bills such as water charges, electricity charges, and telephone charges. (2) Open online banking and pay online through a specific Internet website. (3) Pay by telephone through IVR voice interactive telephone banking or digital telephone banking system. [0003] However, the above payment methods have disadvantages: [0004] The biggest disadvantage of the first method is that people must go to the designated place at the designa...

AI Technical Summary

Problems solved by technology

[0004] The biggest disadvantage of the first method is that people have to go to the designated place at the designated time to complete the payment, which lacks "convenience"

In addition, for public self-service bill payment equipment, because it is located in a public place, the equipment is also for public use, and operational security and leakage of privacy become the main potential hidden dangers of using this method for bill payment

[0005] Although the second method allows people to pay without leaving home, due to the openness of the Internet and various vulnerabilities in computer software that are vulnerable to malicious attacks, security risks have become the biggest obstacle to online payment.

In addition to the disadvantages of poor security, this method also requires users to configure hardware (such as having computer equipment and access to the Internet) and software use (downloading and installing specific software, and mastering the basic skills of operating computers to access the Internet). It is not satisfactory in terms of "simple and fast operation" when it is used by the general public

Even if the method of cash on delivery is adopted when shopping online, there are still obstacles such as the payment method is not simple enough, and there are security risks (especially for large payments), which bring inconvenience to consumers.

[0006] Although the third method relies on fixed-line private networks that are not vulnerable to hacker attacks to transmit data, its biggest disadvantage is that the operability is still not simple and fast enough, and the application of concepts such as "menu", "option" and "return" cannot realize bill payment. "Fool" operation

[0007] To sum up, for a long time, none of the methods for individual users to actively pay bills can fully meet people's needs in the three aspects of "safety, convenience, and simple and fast operation"

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