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Payment system and method for controlling receiving side consumption by paying side

A payment system and payee technology, applied in the financial field, can solve the problems of prevention and control, the inability of consumer collection terminals, prevention and control, or timely notification of donors, etc., to achieve the effect of enhancing security

Inactive Publication Date: 2014-05-21
刘明晶 +1
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] The above-mentioned patent has the problem that once the pre-authorized account is bound to the consumer card, the pre-authorized account cannot manage the payment amount of the consumer card
If the pre-authorized account and the consumption card are not the same person (for example, the parent and the child, etc.), then when the child holds the consumption card, the consumption collection terminal can only query the payment amount of the consumption card, and cannot identify whether it is the parent holding the consumption card. Card consumption is still consumption by children with the card. If the child steals the parent’s card and obtains the payment password, the transaction will be successful. The consumption collection terminal cannot prevent and control the consumption or notify the parents in time. This is because it is impossible to communicate with the parents. The linkage of the authorized account makes it impossible to authorize the consumption according to the consumption conditions set by the parents. The above patent only identifies the authenticity and correctness of the consumption card and payment password
[0006] If the pre-authorized account and the consumption card are not the same person (such as the donor and the recipient, etc.), the above situation also exists. When the recipient holds a consumption card, the consumption collection terminal can only query the payment of the consumption card There is no way for the consumption collection terminal to prevent and control the consumption or notify the donor in time. This is because the linkage with the pre-authorized account of the donor cannot be realized, so that the consumption authorization cannot be performed according to the consumption conditions set by the donor. The above patent only Identify the authenticity and correctness of consumer cards and payment passwords

Method used

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  • Payment system and method for controlling receiving side consumption by paying side
  • Payment system and method for controlling receiving side consumption by paying side
  • Payment system and method for controlling receiving side consumption by paying side

Examples

Experimental program
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Effect test

example 1

[0094] Example 1: Educational financial management

[0095] Make it easy for parents to manage the expenses of their children who are away at school.

[0096] The terminal of the payer is the mobile phone or computer of the parents, and the children consume with the consumption card. The parents preset the consumption conditions according to the reasonable needs of the children, and manage the children's expenses.

[0097] The consumption collection terminal records the consumption records of the children, and uploads the consumption records of the children for the payment platform to carry out liquidation, and sends the liquidation results to the fund account system for parents to view the consumption records of their children.

[0098] When the child's consumption information does not meet the preset consumption conditions, parents can be requested to authorize consumption through the payer's terminal.

Embodiment 2

[0099] Example 2: Charity

[0100] Charitable structures manage funds according to the needs of the recipients.

[0101] The terminal of the payer is the mobile phone or computer of the donor, and the recipient consumes with a consumption card. The fund account system is the fund account system of a charity organization. The donor controls the consumption status of the recipient through preset consumption conditions.

[0102] The consumption collection terminal records the recipient's consumption records, and uploads the recipient's consumption record data for the payment system to perform liquidation, and sends the liquidation result to the fund account system for the donor to view the recipient's consumption records.

[0103] When the consumption information of the recipient does not meet the preset consumption conditions, the donor can be requested to grant consumption authorization through the payer terminal.

Embodiment 3

[0104] Example 3: Mobile shopping

[0105] The shopping institution manages funds according to the needs of the shopping party (wife).

[0106] The terminal of the payer is the computer or mobile phone of the payer (husband), the wife makes purchases with a consumer card, and the fund account system is the fund account system of the shopping institution, and the husband controls his wife's shopping status through preset consumption conditions.

[0107] The consumption collection website or mobile phone records the wife's shopping record, and uploads the wife's shopping record data for the payment system to settle, and sends the settlement result to the fund account system for the husband to check his wife's shopping record.

[0108] When the wife's shopping information does not meet the preset consumption conditions, she can request her husband to grant consumption authorization through the payer's computer or mobile phone.

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PUM

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Abstract

The invention relates to a payment system and a method for controlling receiving side consumption by paying side. The payment system for controlling the receiving side consumption by the paying side comprises a consuming card, a consuming receiving terminal, a payment system, a paying side terminal and fund account systems; correlation is established between the consuming card and the plurality of fund account systems; correlation is established between the consuming receiving terminal and the payment system; correlation is established between the paying side terminal and the fund account systems; correlation is established between the payment system and the fund account systems. According to the payment system for controlling the receiving side consumption by the paying side, the paying side is supported to authorize the consuming receiving terminal before utilization or during utilization, so that roles of a card holder and the paying side are separated, payment is achieved through authorization when the card holder consumes by utilizing the consuming receiving side, card holder consuming safety by using a consuming accepting terminal is enhanced, verification is achieved when the card holder consumes by dynamically using the consuming receiving side terminal, and the paying side will and requirements are confirmed.

Description

technical field [0001] The present invention relates to a payment system and method in the financial field, in particular to a payment system and method in which a payer controls consumption of a payee. Background technique [0002] With the development of the financial services industry, electronic payment has become popular all over the world. As the main tool of electronic payment in the early stage, the magnetic stripe card, due to its simple technology and easy copying of the magnetic stripe information, has led to frequent cases of forgery and embezzlement of magnetic stripe information, causing huge losses to cardholders and card issuers, and has been gradually adopted by IC card replaced. [0003] At present, the smart IC card is widely used in electronic payment. The microprocessor in the card integrates the central processing unit CPU, program memory ROM, data memory EEPROM and RAM, and the ROM is equipped with a chip operating system COS (Chip operating system). ...

Claims

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Application Information

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IPC IPC(8): G06Q20/02G06Q20/38
CPCG06Q20/02G06Q20/382G06Q20/4014G06Q20/4037
Inventor 刘明晶宋永根
Owner 刘明晶