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Payment method and equipment and computer readable storage medium

A payment card and payment data technology, applied in the direction of calculation, payment system, payment system structure, etc., can solve the problems of inability to adapt to a wide range of business needs, the inability to establish a comprehensive sales payment management system, and the imperfection of mobile payment processes, etc., to achieve enhanced Payment management capabilities, comprehensive mobile payment, and the effect of improving payment experience

Inactive Publication Date: 2018-03-16
深圳市生银万国网络科技有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] In order to solve the existing technology, the supporting functions such as mobile payment and cash register at this stage are relatively simple and cannot meet a wide range of business needs. At the same time, the mobile payment process is not perfect enough to establish a comprehensive, Due to the technical defect of the sales payment management system of the system, the present invention proposes a payment method, which includes:

Method used

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  • Payment method and equipment and computer readable storage medium
  • Payment method and equipment and computer readable storage medium
  • Payment method and equipment and computer readable storage medium

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0048] figure 1 It is a flow chart of the first embodiment of the payment method of the present invention. The present invention proposes a payment method, which includes:

[0049] S1. Obtain and analyze the payment data of the payment barcode, and obtain transaction type information, payment card type information and payment barcode information;

[0050] S2. Determine the category information of this payment operation through the transaction type information, determine the platform information of this payment operation through the payment card type information, and determine the identity verification information of this payment operation through the payment barcode information;

[0051] S3. Call the verification channel according to the platform information and category information, and verify the identity information through the verification channel. If the identity information verification is passed, execute the deduction instruction for this payment operation, and report ...

Embodiment 2

[0077] figure 2 It is a flow chart of the second embodiment of the payment method of the present invention. Based on the above-mentioned embodiment, the payment data of the payment barcode is obtained and parsed, and the transaction type information, payment card type information and payment barcode information are obtained before including:

[0078] S01. Determine the payment account number and payment authority of the payment terminal in a banking institution or a third-party payment institution;

[0079] S02. Generate the payment barcode according to the payment requirement and in combination with the payment account number and the payment authority, where the payment barcode includes the payment data.

[0080] In this embodiment, first, the payment account number of the payment terminal is determined in the banking institution or the third-party payment institution. For example, before the transaction occurs, the consumer pre-authorizes the bank card account through the ...

Embodiment 3

[0087] image 3 It is a flow chart of the third embodiment of the payment method of the present invention. Based on the above-mentioned embodiment, the verification channel is called according to the platform information and category information, and the identity information is verified through the verification channel. If the identity information verification is passed, the deduction instruction for this payment operation is executed, and the The financial update information sent by the background resource management platform includes:

[0088] S31. If the payment card of the payment terminal and the payee belong to the same banking institution or third-party institution, the banking institution or the third-party payment institution submits the deduction instruction to the payment terminal;

[0089]S32. After the execution of the deduction instruction is completed, the banking institution or the third-party payment institution pushes the payment information of the deduction...

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Abstract

The invention discloses a payment method and equipment and a computer readable storage medium. The method comprises the following steps of: obtaining and analyzing payment data of a payment barcode soas to obtain transaction type information, payment card type information and payment barcode information; determining category information of the payment operation through the transaction type information, determining platform information of the payment operation through the payment card type information and determining identity verification information of the payment operation through the payment barcode information; and finally, verifying identify information, executing a money deduction instruction of the payment operation and sending finance updating information to a background resource management platform. According to the payment method and equipment and the computer readable storage medium, an efficient mobile payment scheme which is suitable for general commercial requirements isrealized, and the mobile payment process is enriched and completed at the same time; and a comprehensive and systematic marketing payment management system among consumers, sellers and merchants is established, so that the payment experience of user sides is improved and the payment management ability of marketing sides is strengthened.

Description

technical field [0001] The present invention relates to the field of electronic payment, in particular to a payment method, equipment and computer-readable storage medium. Background technique [0002] In the prior art, with the rapid development of smart terminal equipment, mobile payment has become an increasingly common payment method. On the one hand, mobile payment solves various inconveniences of cash payment. On the other hand, mobile payment provides security for payment. However, the current mobile payment solution is still in the development stage, and there are some technical defects, such as: [0003] 1. The supporting functions such as mobile payment and cash register at the current stage are relatively simple and cannot meet a wide range of commercial needs; [0004] 2. The current mobile payment process is not perfect enough to establish a comprehensive and systematic sales payment management system among consumers, sellers and merchants. Contents of the in...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/32G06Q20/40
CPCG06Q20/3274G06Q20/3276G06Q20/4014
Inventor 符宏毅
Owner 深圳市生银万国网络科技有限公司
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