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an online payment method

A dynamic payment and account technology, applied in the payment system, payment system structure, protocol authorization, etc., can solve the problem of inability to obtain the available balance of bank cards, and achieve the effect of improving user experience, protecting property security, and avoiding insufficient balance.

Active Publication Date: 2021-07-20
商客通尚景科技江苏有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0006] The present invention aims to provide an online payment method, aiming to solve the problem in the prior art that the user cannot obtain the available balance of the bank card before payment, and to achieve the purpose of safe payment

Method used

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  • an online payment method
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Examples

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Embodiment Construction

[0029] It should be understood that the specific embodiments described here are only used to explain the present invention, not to limit the present invention.

[0030] like figure 1 As shown, the present invention provides an online payment method, which can be used for Alipay payment and WeChat payment. The method comprises the steps of:

[0031] S1: Entering a payment page through an online payment tool, where at least the payable amount and a first confirmation button are displayed on the payment page.

[0032] S2: After the user presses the first confirmation button, the user enters the payment account selection page, and the payment account selection page displays at least a plurality of selectable accounts, the available balance of each account, and the second confirmation button.

[0033] The accounts include Alipay accounts, WeChat accounts, bank accounts, and the like.

[0034] In real life, the user may use multiple bank cards and have opened the online payment f...

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Abstract

The present invention provides an online payment method, which is characterized in that the method includes: S1: entering the payment page through the online payment tool, at least the amount payable and the first confirmation button are displayed on the payment page; S2: the user presses the second confirmation button After confirming the button, enter the payment account selection page, and the payment account selection page displays at least a plurality of selectable accounts, the available balance of each account, and the second confirmation button; S3: the user selects an account, and presses After the second confirmation button, enter the verification page; S4: Display different types of verification codes to the user to prompt the user to enter the dynamic payment password, and judge whether the dynamic payment password entered by the user is correct. If it is correct, the payment is allowed, otherwise, the payment is not allowed , and prompt the user that the payment failed. The invention enables the user to know the available balance of the bank card before payment, and realizes the purpose of safe payment.

Description

technical field [0001] The invention belongs to the field of safe payment application communication, and in particular relates to an online payment method. Background technique [0002] In modern life, more and more people use the Internet to consume online, and there are various transaction modes on the Internet. With the development of society, including the development of communication technology, the development of smart terminals, the development of logistics, and the transformation of people's consumption awareness, people can now almost buy anything online at any time and any place. For example, we buy clothes and furniture online on Taobao or JD.com. We can buy fresh vegetables through various apps. We can hail cars, taxis, special cars, express cars, etc. through Didi or Uber. We can pay by credit card, Alipay, WeChat, etc. [0003] When using Alipay payment and WeChat payment, you can pre-deposit a certain amount of funds in the wallet of the Alipay account and W...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G06Q20/40G06Q20/38
CPCG06Q20/382G06Q20/4014G06Q20/4018
Inventor 李春娟包正堂陈磊姜洪亮
Owner 商客通尚景科技江苏有限公司
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