Method for payment with limit code

A limit code and limit technology, applied in the payment field of electronic limit code, can solve problems such as recharge troubles

Inactive Publication Date: 2015-05-27
吴勇
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0012] In order to overcome the deficiencies of the existing bank card technology, the purpose of the present invention is to provide a limit code electronic payment, which is low in cost, easy to popularize, safer in user bank card and fund transactions, and has the convenience and convenience of traditional flash cards. The advantage of being fast, but it overcomes the troublesome problem of recharging

Method used

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  • Method for payment with limit code
  • Method for payment with limit code

Examples

Experimental program
Comparison scheme
Effect test

example 1

[0027] example as figure 1 As shown, an individual user 100 downloads the bank client personal self-service banking system 101 from the bank where he is located and installs it on a computer, notebook, or mobile phone tablet, and performs account authentication and binds to the device, and records the device information of the account to the bank 108 . There is a limit code generation program module 102 on the client personal self-service banking system. Through this module, the user 100 can generate a limit code 103, which contains the encrypted account, user device information, maximum limit, validity period and marked payment Maximum limit, validity period, ready to consume and use. When making a payment, the user 100 submits the limit code 103 to the electronic device of the merchant 104 and is equipped with the merchant's self-service banking system 105. First, a preliminary identification is made on the specified maximum payment limit and validity period. If the limit is...

example 2

[0028] Refer to example two figure 2 , figure 2 It is the Internet virtual system payment of the limit payment code in the business circle of the e-commerce such as Alipay, QQ wallet or group buying network as the means of payment. The individual user 200 must first recharge in the e-commerce online system, and then use the limit payment code survival module 203 of the self-service system downloaded from the e-commerce system or its online system to generate a limit payment code 204, and submit it to the merchant user at the payment transaction site 205, the user initially identifies his information through the merchant's self-service system 206 or the online system of the e-commerce 201, extracts the limited period, account, limit, etc., and judges that the limit is greater than the payment amount, and transfers 200 recharged currency to the merchant's 205 account , the transaction will be completed.

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PUM

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Abstract

The invention discloses a method for payment with a limit code. On the basis of modern electronic equipment and electronic communication, a user generates an information code with the payment limit according to the payment requirement on a certified client side, and a merchant submits the electronic limit code and payment information of the user to a transaction settlement center for decryption, certification and settlement. The method has the characteristics that the user is not required to provide real cards such as bank cards and the like, the user can set the limit code freely, account information is encrypted, the payment limit is set, password inputting can be avoided for micropayment, a payment code is invalid after used once and the like, has the advantage of convenient payment of Quick Pass cards, and solves problems that the Quick Pass cards of banks are troublesome to recharge, the bank cards are stolen easily, unauthorized swiping and excessive swiping can occur, information is copied and the like. Thus, the method has very high value in aspect of convenient transaction payment as well as protection of user account and bank card security. The method is applicable to quick financial payment and settlement for on-the-spot transactions in fields such as supermarkets, shopping malls, traffic, parking lots and the like.

Description

technical field [0001] The invention relates to an on-site financial payment and settlement method and technology, in particular to a payment method of an electronic limit code. This method is based on modern electronic equipment and electronic communication. In the installed client system or online system client, the user generates an electronic limit code as needed, and submits it to the merchant at the consumption site. The merchant attaches the payment information and the limit code to upload together. Go to the settlement network system to realize the transfer and complete the payment of goods or services. [0002] The limit flash payment code mentioned here refers to the maximum limit of this payment, and also contains information such as account number, occurrence time and timeliness. It is a string of codes composed of encrypted characters, which can be specifically expressed as a string, print into barcodes, two-dimensional codes, images or electromagnetic wave codes...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/08G06Q20/22
CPCG06Q20/385
Inventor 吴勇
Owner 吴勇
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