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Online payment method and system

An online payment and payment channel technology, applied in the field of Internet finance, can solve problems such as inconvenience, and achieve the effects of preventing malicious consumption, improving payment security, and enhancing the sense of experience

Active Publication Date: 2018-11-02
SHANGHAI NUOYA INVESTMENT MANAGEMENT CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] The existing online payment method needs to be realized through a third-party payment platform, which requires registering an account on the third-party payment platform, and at the same time, there is an amount in the account or a financial card is bound; when binding a financial card, the financial card needs to be entered The card number and other relevant information, and identity verification is also required. For those users who have not bound a financial card on the third-party payment platform, online payment has brought great inconvenience

Method used

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  • Online payment method and system

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0045] The present invention provides an online payment method, see figure 1 ,include:

[0046] S100: preset at least one financial card picture in the cloud trading platform;

[0047] Specifically, the preset financial card picture in the cloud trading platform is a photo or scanned copy containing the complete financial card number and logo pattern; and according to the user's habits, the position of the financial card in the picture is set, and the user can The position of the financial card in the picture is set by itself to realize the verification basis for the subsequent part; when setting by itself, for example, the user can make the financial card on the left or right side of the picture; Under the premise of the card number and logo pattern, take an incomplete financial card; in this embodiment, the cloud trading platform can identify the information contained in the picture, and the information that can be recognized should at least include the card number and logo...

Embodiment 2

[0092] The present invention provides an online payment system, see figure 2 , including: a user terminal 10 and a payment system 20 .

[0093] The user terminal 10 is used for providing a financial card photo with a time stamp when the user needs to make payment.

[0094] Payment system 20, comprising:

[0095] The setting module 100 is used to preset at least one financial card picture in the cloud trading platform.

[0096] Specifically, the preset financial card picture in the cloud trading platform is a photo or scanned copy containing the complete financial card number and logo pattern; and according to the user's habits, the position of the financial card in the picture is set, and the user can The position of the financial card in the picture is set by itself to realize the verification basis for the subsequent part; when setting by itself, for example, the user can make the financial card on the left or right side of the picture; Under the premise of the card numb...

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Abstract

The invention discloses an online payment method and system. The method comprises the following steps: presetting at least one financial card picture in a cloud transaction platform; providing a financial card photo with a timestamp when a user needs to perform payment; comparing the financial card photo with a financial card location in the preset financial card picture after confirming that therelated picture is existent in the cloud transaction platform by identifying the card number on the financial card photo and the identification pattern, thereby obtaining displacement variable quantity; and generating a payment channel when the displacement variable quantity is less than a preset threshold, wherein the payment channel is the payment channel between the third-party transaction platform and the merchant. The transaction can be performed only in a certain time through a way of adding the timestamp, thereby effectively preventing other people from maliciously consuming; and the transaction is realized only through the form of providing the picture, the binding in the third-party payment platform is unnecessary, and the information leakage is prevented.

Description

technical field [0001] The present invention relates to the technical field of Internet finance, in particular, to an online payment method and system. Background technique [0002] With the rapid development of the Internet, the huge business opportunities of the Internet are becoming increasingly prominent. At the same time, Internet finance has also been valued by more and more companies, and it has also been favored by more and more users. At present, online shopping brings great convenience to users. At the same time, online payment is also familiar and applied by more and more users. [0003] The existing online payment method needs to be realized through a third-party payment platform, which requires registering an account on the third-party payment platform, and at the same time, there is an amount in the account or a financial card is bound; when binding a financial card, the financial card needs to be entered The card number and other relevant information, and id...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/08G06Q20/40G06Q20/34
CPCG06Q20/085G06Q20/34G06Q20/409
Inventor 胡倩
Owner SHANGHAI NUOYA INVESTMENT MANAGEMENT CO LTD