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Multi-channel combined on-line payment method and payment system

An online payment and multi-channel technology, applied in the payment system, payment system structure, payment involving neutral parties, etc., can solve the problems of complex payment channel selection, error-prone, and affecting payment speed and accuracy, and achieve improvement Payment experience, convenient troubleshooting, and improved payment speed

Inactive Publication Date: 2015-11-11
SHANGHAI FEIMA NETWORK SCI & TECH CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0006] In view of the above-mentioned shortcomings of the prior art, the purpose of the present invention is to provide an online payment method and payment system with multi-channel integration, which is used to solve the complicated and error-prone selection of payment channels in the prior art, which affects the Issues with payment speed and accuracy

Method used

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  • Multi-channel combined on-line payment method and payment system
  • Multi-channel combined on-line payment method and payment system
  • Multi-channel combined on-line payment method and payment system

Examples

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Embodiment 1

[0040] like figure 1 As shown, this embodiment provides an online payment method that combines multiple payment channels, and the payment method includes:

[0041] Different payment channels can be distinguished by setting the payment channel identification bit in the payment code.

[0042] Specifically, such as figure 1 As shown, the online payment method of the multi-channel integration includes steps:

[0043] First, proceed to step 1) S11, the user selects a specific payment channel through the user terminal.

[0044] The user terminal includes, for example, a mobile phone, a notebook, an IPAD, etc., but is not limited to the examples listed here.

[0045] The payment channels include, but are not limited to: online payment services such as Alipay, WeChat Pay, Baidu Wallet, China Merchants Bank Yizhaoguo, Xiaopu Pay, Ping An Kuaifu, and YiPay.

[0046] Then, step 2) S12 is performed, and the specific payment channel generates a payment code with a payment channel ident...

Embodiment 2

[0063] like figure 2 As shown, this embodiment provides an online payment method that combines multiple payment channels, and the payment method includes:

[0064] Different payment channels can be distinguished by setting the payment channel identification bit in the payment code.

[0065] By setting the payment account identification bit in the payment code, it is determined to debit the corresponding payment account of a specific payment channel.

[0066] Specifically, such as figure 1 As shown, the online payment method of the multi-channel integration includes steps:

[0067] First, proceed to step 1) S21, the user selects a specific payment channel through the user terminal.

[0068] The user terminal includes, for example, a mobile phone, a notebook, an IPAD, etc., but is not limited to the examples listed here.

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Abstract

The invention provides a multi-channel combined on-line payment method and a payment system. The payment method comprises the steps of arranging payment channel identification bits in payment codes so as to distinguish different payment channels; and arranging payment account identification bits in payment codes so as to cut the payment from a corresponding payment account through a special payment channel. The method and the system have the advantages of 1) avoiding the wrong selection for payment services on a cash-out interface to ensure the accuracy of the payment; 2) completing the payment by a user through any one selection for payment services, without the need of matching with people on the cash-out interface; 3) increasing the payment speed; 4) improving the payment experience; 5) accessing to boundless payment services via a combined virtual payment button to avoid the condition that payment service buttons are too much to be arranged on the cash-out interface; 6) during the occurrence of a payment fault, quickly and accurately finding out the specific fault based on the identification bits in the payment codes so as to facilitate the fault treatment.

Description

technical field [0001] The invention relates to an online payment method and a payment system, in particular to an online payment method and a payment system combining multiple channels. Background technique [0002] Driven by the development of e-commerce, the market scale of personal online payment in my country has developed rapidly. With the increasing demand for online payment such as e-commerce, the market scale of third-party payment platforms has grown extremely rapidly. In the next few years, China's online payment market will grow rapidly and is and will undergo unprecedented historical changes. [0003] "Online payment channels" include but are not limited to: online payment services such as Alipay, WeChat Pay, Baidu Wallet, China Merchants Bank Yizhaoguo, Xiaopu Pay, Ping An Kuaifu, and Yipay. Users use online payment channels to pay in stores (or Pay in other payment scenarios, such as self-service vending machines, self-service payment machines, etc.). [000...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/38G06Q20/02
CPCG06Q20/385G06Q20/02
Inventor 陈宝平贺星河蔡志良刘刚严寒
Owner SHANGHAI FEIMA NETWORK SCI & TECH CO LTD
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