Electronic payment method supporting multiple accounts

An electronic payment and account technology, applied in the field of electronic payment, can solve cumbersome, unfriendly, and inconvenient problems, achieve reliable payment, safe payment, and improve user experience

Inactive Publication Date: 2016-10-12
CHINA UNIONPAY
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

This unfriendly way brings inconvenience to users
[0004] In addition, when a user consumes in a medical institution, it is very likely that part of the consumption needs to be paid from the medical insurance card account, while the rest of the consumption is paid from the bank card account; Account payment, etc.; in various business scenarios, users need to operate various payment accounts to complete the transaction, which is also relatively cumbersome

Method used

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  • Electronic payment method supporting multiple accounts

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Embodiment Construction

[0015] Such as figure 1 As shown, an embodiment of the present invention provides an electronic payment method supporting multiple accounts, and the method includes a setting link and a payment link. Among them, in the setting link, multiple users can interact with the background system separately, set up the payment account of each user and customize personal payment rules; The data interaction between the acceptance terminal and the background system completes the specific payment.

[0016] The setup link includes the following steps:

[0017] Step S10, the background system assigns a unique identifier to the user and sends it to the smartphone held by the user.

[0018] By assigning unique identifiers to many users, the background system can identify multiple users and interact with them separately. The background system sends the assigned unique identifier to the smart phone held by each user for storage.

[0019] Wherein, the smart phone can use host card emulation te...

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PUM

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Abstract

The invention relates to an electronic payment method supporting multiple accounts. The method includes a setting link and a payment link. The setting link includes the following steps that: a backstage system distributes unique identifiers for users; and the backstage system generates at least one payment account corresponding to the unique identifiers and payment rules corresponding to the unique identifiers for the users. The payment link includes the following steps that: current users interact with a service acceptance terminal through handheld smart phones, and the service acceptance terminal reports the service data of current payment to the backstage system; the background system determines the service scenes of the current payment according to the service data and determines an applicable account list according to the payment rules corresponding to the unique identifiers of the current users; and the backstage system completes the payment by using the applicable account list based on the payment rules. With the electronic payment method adopted, safe and reliable payment can be realized, and at the same time, the users can conveniently use a plurality of accounts to carry out collaborative payment under different service scenes.

Description

technical field [0001] The invention relates to the technical field of electronic payment. Background technique [0002] Today, as electronic payment has gradually become the mainstream payment method, the safety and convenience of payment are the focus of attention of users and merchants. [0003] Existing payment methods often have a default payment account. When the user makes payment for consumption, the default payment account will be deducted. When the account balance is insufficient, a corresponding prompt box will pop up, and this payment cannot be completed. At this time, the user needs to manually select or set another payment account to complete the transaction. This unfriendly way brings inconvenience to users. [0004] In addition, when a user consumes in a medical institution, it is very likely that part of the consumption needs to be paid from the medical insurance card account, while the rest of the consumption is paid from the bank card account; Account ...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/22
CPCG06Q20/227G06Q20/22
Inventor 才华
Owner CHINA UNIONPAY
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