Electronic payment procedure based on transaction code

A transaction code, electronic payment technology, applied in the field of electronic payment based on transaction code, can solve the problems of difficult to be satisfied, waste the precious time of the payer, reduce payment efficiency, etc., to improve loyalty, improve corporate competitiveness, and expand types. Effect

Inactive Publication Date: 2008-04-23
祁勇
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] However, this method has two disadvantages in practical application
[0006] First, before paying, the payer needs to know the payment amount accurately, and this requirement is not easy to meet for some payment occasions
For example, when shopping at Wal-Mart supermarkets, consumers often have to buy many items, and there are many people waiting in line to pay; if they pay before getting the bill, consumers need to calculate the total payment price themselves, which makes most Consumers feel inconvenient; if they pay after getting the bill, because the average time for inputting payment information on communication terminals such as mobile phones is long, and it is necessary to wait for the communication system and payment platform to transmit and process the information, for consumers who wait in line for payment It is not easy to accept
[0007] Second, since the payee in the C2C environment is not a professional cashier, if the payee is required to send information to the payment platform for payment confirmation, the average information input time will be longer, wasting the payer’s precious time and reducing the payment efficiency

Method used

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  • Electronic payment procedure based on transaction code
  • Electronic payment procedure based on transaction code
  • Electronic payment procedure based on transaction code

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0085] Such as figure 1 Shown is the payment process in which the transaction code is sent from the payer to the payee;

[0086] In the payment platform, the payer identification code and the payee identification code are stored, the association between the payer identification code and the payer account number is established, and the association between the payee identification code and the payee account number is established; a typical payment The party identification code and the payee identification code are the communication numbers of the terminal, and the virtual account number generated by the payment platform for the payer and the payee can also be used; in the payment platform, set the payment timeout and payment timeout for each payer party password;

[0087] When the payer makes payment to the payee, the following steps are included:

[0088] Step 1: The payer sends the payer identification code, the maximum payment amount, the payee identification code and the p...

Embodiment 2

[0097] Such as figure 2 It shows the payment process in which the transaction code is sent from the payee to the payer;

[0098] In the payment platform, the payer identification code and the payee identification code are stored, the association between the payer identification code and the payer account number is established, and the association between the payee identification code and the payee account number is established; a typical payment The party identification code and the payee identification code are the communication numbers of the terminal, and the virtual account number generated by the payment platform for the payer and the payee can also be used; in the payment platform, set the payment timeout and payment timeout for each payer party password;

[0099] When the payer makes payment to the payee, the following steps are included:

[0100] Step 1: The payer sends the payer identification code, the payment amount, the payee identification code and the payer pa...

Embodiment 3

[0109] Such as image 3 As shown, it is a structural diagram of an electronic payment system based on a transaction code, the payer is a mobile terminal 12, and the payee is a computer 11 connected to the network; Platform 4 is connected; Through gateway 31 and 32, can obtain the communication number of payer and payee automatically; Payee computer 11 is connected to payment platform 4 through Internet 21 and Web server 31; Payment platform 4 is connected with bank through bank payment interface. Server 5 is connected.

[0110] 5. Application examples

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PUM

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Abstract

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.

Description

technical field [0001] The invention relates to the field of electronic payment, in particular to an electronic payment method based on a transaction code. Background technique [0002] The emergence of online payment and mobile payment has created a flexible and friendly payment environment for consumers, realized the electronicization and mobility of wallets, and greatly enriched the means of payment for users. [0003] However, while online payment and mobile payment bring convenience to consumers, they also bring new security risks. In the prior art, online payment and mobile payment often require the bank account number of the payer as the payment credential. Therefore, the transfer of the bank account number between the payer, the payee and the bank is inevitable. As a result, the payer often has doubts when making the payment, worrying that his bank account information will be used maliciously by others and cause losses. [0004] Chinese invention patent application...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/00G06Q20/12
Inventor 祁勇
Owner 祁勇
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