User friendly payment method

A behavioral and credential technology, applied in the field of humanized payment, can solve the problem of loss of funds and other issues, and achieve the effect of ensuring the convenience of mobile

Pending Publication Date: 2015-08-26
杨淼彬
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

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Examples

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Embodiment 1

[0065]Citizen A completes the voucher and personalization settings on the server. Citizen A uses the card in the Carrefour supermarket near his residence to pass the humanized payment. For the first payment, the server classifies the payment behavior as an exceptional payment and needs to enter a password for verification. After the payment is completed The server sends a text message to inform citizen A of the consumption situation in Carrefour supermarket; when shopping in this Carrefour for the second time, the server classifies the payment behavior as safe payment and reduces the verification of certificates, that is, it can be completed by swiping directly. There is no need to enter passwords and signatures. Humanized payment will complete other procedures. In Carrefour, Humanity Payment Company will provide a list of non-realizable items, a clear shopper portrait, and a reliable company with a good reputation. Citizen A gets notifications such as SMS or WeChat. Citizen...

Embodiment 2

[0066] Example 2: Citizens can use humanized payment to pay the fees of government agencies, such as water and electricity bills, traffic fines, tax authorities, large medical units, etc. Due to strict government management, theft cannot be realized from the government, and the security level is high. The server will directly pay The behavior is classified as payment by a reliable payee, and citizens can complete the payment with a single touch of the card, just like passing through the subway gate with a card.

Embodiment 3

[0067] Example 3: Expressway toll payment can also be paid in a humanized manner, and one-drop card can pass. Because of the valuables (vehicles) attached to the payer.

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Abstract

The invention discloses a user friendly payment method which includes a step one that a server analyzes the key points of payment behavior during an entire process, evaluates the effect and risk, and classifies the payment behaviors of users; a step two that the server collects and analyzes payment behaviors, and determines the types of the payment behaviors; a step three that the server determines payment behavior vouchers taking safety and rapidness into account; a step four that a user completes voucher verification and payment, and the server sends a consumption short message. If user's voucher verification fails, the entire process returns to step two. The user friendly payment method refines each payment risk and obligation of payers, paying companies and payees, makes respective obligation and rights on an overall view. Payments are classified and graded by using the functions of available devices. The user friendly payment method achieves a win-win situation for three parties and allows everybody to be benefitted.

Description

technical field [0001] The invention relates to the field of financial payment, in particular to a humanized payment method. Background technique [0002] In the domestic security environment, there are many payment products, fierce payment competition, and little protection for consumers. The security environment is harsh, and many payment companies hand over security tasks to customers, and at the same time cannot change the environment outside the real customers. It is difficult for payment companies to change the knowledge and ability of customers in a short time. Thieves always take advantage of the loopholes of customers and payment companies to obtain improper benefits. Payment companies should shoulder security responsibilities in order to prevent thieves and protect their own interests, as well as the interests of customers. Now the payment account is stolen, resulting in the loss of depositor funds. When shopping, users are required to cover their hands and the...

Claims

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Application Information

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IPC IPC(8): G06Q20/38G06Q20/40
CPCG06Q20/382G06Q20/401
Inventor 杨淼彬
Owner 杨淼彬
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