Mobile payment method and mobile payment system

A mobile payment and contact technology, applied in the direction of payment system, payment architecture, payment scheme/model, etc., can solve the problems of not being able to entrust others to pay, and WeChat contacts not being able to make payment on behalf of others, and achieve the effect of improving the security of use

Inactive Publication Date: 2016-12-14
TOSHIBA TEC KK
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] There is such a problem in the existing mobile payment method represented by the WeChat payment method in the physical store that the buyer can only pay by himself, and cannot entrust others to pay, or the contact person in WeChat cannot make the payment on his behalf

Method used

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  • Mobile payment method and mobile payment system
  • Mobile payment method and mobile payment system
  • Mobile payment method and mobile payment system

Examples

Experimental program
Comparison scheme
Effect test

no. 1 example

[0037] figure 2 It is a schematic flowchart of the WeChat payment method in the first embodiment of the present invention, such as figure 2 shown, including the following steps:

[0038] Step S110 (confirmation step): The shopping customer confirms the payment with the designated WeChat contact before checkout. Before the checkout, it can be a fixed payment relationship preset before, such as between parents and children, between colleagues, etc., or It is a temporary idea, for example, before checking out, you suddenly realize that the amount of your WeChat payment is insufficient, and you need to ask someone else to pay for you to complete the purchase. Of course, this kind of pre-confirmation behavior includes the confirmation behavior that occurs during the checkout process. The pre-checkout here has a broad meaning, which can be the confirmation behavior that occurred before or during the checkout process. As long as it is confirmed before the checkout payment, it belo...

no. 2 example

[0043] image 3 It is a schematic flowchart of the WeChat payment method of the second embodiment of the present invention. Such as image 3 shown, including the following steps:

[0044] Step S210 (confirmation step): the shopping customer confirms the payment on behalf of the designated WeChat contact before checking out.

[0045] Step S220 (restriction step): Designate a WeChat contact to restrict the use of the payment code. The implementation of this restriction can be set through the WeChat server, and a restriction request is sent to the WeChat server to impose an amount limit on the payment code generated according to a fixed time interval , use time limit, use times limit, etc. When the amount limit is imposed, for example, if it exceeds 200 yuan, the payment is refused; when the use limit is imposed, such as only one use is allowed, it will not be read when it is scanned twice; when the use time limit is imposed, such as It can be valid for use within ten minutes, ...

no. 3 example

[0050] Figure 4 It is a schematic flowchart of the WeChat payment method of the third embodiment of the present invention. Such as Figure 4 As shown, compared with the second embodiment, a secondary authorization step S350 is added, specifically as follows:

[0051] Step S310 (confirmation step): the shopping customer confirms the payment on behalf of the designated WeChat contact before checking out.

[0052] Step S320 (restriction step): Designate a WeChat contact to restrict the use of the payment code.

[0053] Step S330 (sending step): the designated WeChat contact sends the restricted payment code to the shopper.

[0054] Step S340 (payment step): the shopping customer uses the payment code sent by the designated WeChat contact to make WeChat payment.

[0055] Step S350 (secondary authorization step), when exceeding the use limit of payment, in the second authorization step, if the payment cannot be made because the amount of use, time of use, and number of times o...

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PUM

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Abstract

The invention discloses a mobile payment method and a mobile payment system, and the method and system are used for payment in a physical store when a mobile payment contact is determined. The method comprises a confirming step that the determined mobile payment contact confirms a pay-for-another service with a customer before settlement; a sending step that the determined mobile payment contact sends a payment code to the customer; and a paying step that the customer employs the payment code for mobile payment. According to the invention, a paying person does not need to be on payment site, and the customer can determine the mobile payment contact to pay for him or her.

Description

technical field [0001] The invention relates to a mobile payment method and a mobile payment system in a physical store. Background technique [0002] Mobile payment methods such as WeChat, Alipay, and Baidu Wallet are becoming more and more popular among the public. They are convenient and fast. You don’t need to carry a wallet or swipe your card to enter a password. You only need to hold a mobile payment app with payment functions, such as WeChat APP, Alipay APP and Mobile terminals such as Baidu Wallet are fine, and the above are also typical representatives of electronic payment methods. [0003] figure 1 It is a schematic diagram of the composition of the existing WeChat payment method with typical mobile payment representatives. Such as figure 1 As shown, the WeChat payment system generally includes a POS machine 10, a display 11 (it can be a dual display with both a clerk display facing the operator and a customer display facing the customer, or a single display, t...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/22G06Q20/38G06Q30/06
CPCG06Q20/227G06Q20/38G06Q30/0601
Inventor 宋庆伟杨威
Owner TOSHIBA TEC KK
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