Offline mobile payment method for prepaid card account carrier

Abstract

The invention discloses an offline mobile payment method for a prepaid card account carrier. When offline payment is carried out by using the prepaid card account carrier, a prepaid card payment platform can pre-judge whether the prepaid card account balance is enough to perform payment at this time or not; if not, the prepaid card payment platform can further request a third-party payment platform to perform payment; and thus, by parity of reasoning, if the third-party payment platform judges that the third-party payment account balance is not enough, and can same further request an issuing bank payment platform (namely a bank) to perform payment at this time. With the help of the technical scheme provided by the invention, even the prepaid card account balance is not enough to perform payment, payment can also be continuously carried out through the third-party payment platform and the bank; payment of offline transactions is realized through multiple online payment platforms; payment can be carried out while charging is carried out; the payment success rate of the offline transaction is increased; and furthermore, the use intention and the use frequency of the prepaid card account carrier by users can be increased.

Description

technical field [0001] The invention belongs to the field of mobile payment, and in particular relates to an offline mobile payment method used for prepaid card account carriers. Background technique [0002] A prepaid card refers to a prepaid card issued by a prepaid card issuer in a specific carrier and form, which can be used to purchase goods or services outside the prepaid card issuer. The process of using a prepaid card is that consumers pre-deposit a certain amount in the prepaid card they hold, and when merchants that support prepaid card payment do not use cash for transactions, they can implement one or more transactions within the prepaid amount only with the prepaid card. shopping behavior. [0003] Promoting the use of prepaid cards has the following main benefits for merchants: 1. Enhanced security. Consumers use prepaid cards, merchants do not handle cash, which reduces the circulation of cash, which can not only avoid losses caused by receiving counterfeit ...

AI Technical Summary

Problems solved by technology

[0005] Although prepaid cards have the above advantages, there are still some disadvantages. For example, when consumers use prepaid cards for consumption, if the balance in the prepaid card account is not enough to pay the current consumption amount, the prepaid card will be blocked. Instead of using other means of payment

Since consumers cannot recharge prepaid cards in a timely / real-time manner when the prepaid card account balance is insufficient, consumers' enthusiasm for using prepaid cards will weaken, making it difficult to promote the use of prepaid cards as the preferred means of payment

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