Electronic payment method and electronic payment system based on short-range payment substitution

Abstract

The invention provides an electronic payment method and an electronic payment system based on short-range payment substitution. The electronic payment method comprises the steps of transmitting a payment substitution request by a user terminal to a payment substitution server, wherein the payment substitution request carries sum of to-be-paid commodities; searching a payment substitution terminal with an allowed payment substitution identification in a preset range by the payment substitution server, and transmitting the sum of the to-be-paid commodities to the payment substitution terminal; generating a to-be-paid sum by the payment substitution terminal and transmitting the to-be-paid sum to the payment substitution server, generating a to-be-paid two-dimensional code by the payment substitution server and transmitting the to-be-paid two-dimensional code to the user terminal, wherein the to-be-paid two-dimensional sum is composed of the sum of the to-be-paid commodities and a to-be-paid commission; scanning the to-be-paid two-dimensional code by the user terminal and transmitting the to-be-paid two-dimensional code to a payment server, and performing payment operation by the payment server; when the payment substitution server receives the payment sum, transmitting payment success information to the payment substitution terminal, and supplying cash which corresponds with the sum of the to-be-paid commodities by the payment substitution party to a user or a seller.

Description

technical field

[0001] The invention relates to the technical field of electronic payment, in particular to an electronic payment method and system based on short-distance payment. Background technique

[0002] Online payment is the development and innovation of electronic payment system. The transmission of traditional bank settlement payment instructions completely depends on

[0003] Relying on face-to-face manual processing and entrusted delivery by postal and telecommunications departments, there are problems such as high settlement costs, long voucher delivery time, large occupation of funds in transit, and slow capital turnover. The electronic funds transfer system shortens the transfer time of payment instructions between banks and reduces the burden on funds in transit. The existing online payment method is mainly to pay merchants through Alipay or WeChat, and this payment method is more and more popular with users and merchants. It is convenient to pay and does n...

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