Payment method and system for automatically selecting payee based on readable mark

A technology of automatic selection and payment system, applied in the direction of payment system, payment system structure, protocol authorization, etc., can solve the problems of inability to automatically select payment interface, barcode payment equipment lacks the prompt message of the payer, etc., to reduce the steps of manual selection, The effect of reducing the decoding pressure and reducing the amount of data

Inactive Publication Date: 2017-07-11
FUJIAN NEWLAND AUTO ID TECH CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] For this reason, the technical problem to be solved by the present invention is that the barcode payment device in the prior art lacks a prompt message for the payer, and cannot automatically select a suitable payment interface.

Method used

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  • Payment method and system for automatically selecting payee based on readable mark
  • Payment method and system for automatically selecting payee based on readable mark
  • Payment method and system for automatically selecting payee based on readable mark

Examples

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Effect test

Embodiment 1

[0040] Payment methods based on automatic selection of payees based on readable marks, such as figure 1 shown, including the following steps:

[0041] S1: pre-store at least one information of the payee corresponding to the characteristic information, the information of the payee includes the payment link information of the payee. For example, "111" corresponds to Alibaba's "Alipay" payer, and "222" corresponds to Tencent's "WeChat" payer. The information of the payee includes link information (or network address information) for communicating with the data interface of the payee's back-end server.

[0042] S2: Scanning the mark used for the payment behavior, using the mark decoding algorithm corresponding to the mark, decoding to obtain the decoded information, locating the characteristic position in the mark and identifying the characteristic information. The indicia may be a QR code. For example, the mark used for the payment behavior is a QR code, then use the correspon...

Embodiment 2

[0054] A payment system that automatically selects payees based on readable marks, such as figure 2 shown, including the following components:

[0055] The storage module 1 can be a storage medium that can be repeatedly erased and written in the prior art such as a hard disk, SD card, TF card, and CF card. Through software programming, at least one payee's information corresponding to the feature information is stored in advance, including the payee's payment link information. For example, "111" corresponds to Alibaba's "Alipay" payer, and "222" corresponds to Tencent's "WeChat" payer. The payee's information includes the link information (or network address information) for communicating with the payee's back-end server data interface.

[0056] The mark reading module 2 may be a mark scanning gun, such as the HR32 product of our company. The mark used for the payment behavior is scanned, and the mark decoding algorithm corresponding to the mark is used to decode to obtain...

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Abstract

The invention relates to a payment method and system for automatically selecting a payee based on a readable mark. The method is characterized by pre-storing payee information corresponding to feature information, and automatically confirming the payee information and automatically establishing a communication connection with the payee by setting the feature information in the mark, recognizing the feature information by decoding, and searching the pre-stored payee information according to the feature information. The method reduces a manual selection step, can reduce the data size carried by the mark by presetting the payee information, reduces decoding pressure, and increases decoding speed so as to increase payment efficiency. The information of the payee and charge information can be displayed if money deduction succeeds and a payer can be displayed intuitively.

Description

technical field [0001] The present invention relates to a payment method and equipment, in particular to a payment method and system for automatically selecting payees based on readable marks. Background technique [0002] Traditional offline payment modes include cash transactions and bank card swiping. This type of transaction mode not only requires consumers to carry cash and bank cards with them, but also requires cashiers to change money and swiping cards to enter passwords to sign bills and other procedures, resulting in greatly extended checkout time. During the peak cashier period, there will be long queues at the cashier counters in shopping malls, supermarkets, and restaurants, resulting in a decline in consumer experience. The emerging barcode payment has changed this phenomenon. Consumers only need to bind their bank cards with a third-party payment account, and carry a smart handheld terminal installed with a third-party payment application program, and they can...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/40
CPCG06Q20/405
Inventor 张享久俞开斌王文敏
Owner FUJIAN NEWLAND AUTO ID TECH CO LTD
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