Card-free credit payment method and system, compute device and storage medium
A credit and credit card technology, applied in the payment system, payment system structure, calculation, etc., can solve the problems of easy loss, limited receiving equipment and payment system, and inconvenient portability, and achieve the effect of easy promotion
Inactive Publication Date: 2019-01-08
PING AN TECH (SHENZHEN) CO LTD
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Problems solved by technology
[0006] Based on this, it is necessary to use the card card as the payment certificate carrier for the traditional credit payment method when making credit cardless payment, which is inconvenient to carry and easy to lose, and when the traditional credit card card is used, it is limited by the receiving equipment and payment system, so it is not applicable Problems in small business occasions, providing a cardless credit payment method, system, computer equipment and storage medium
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[0050] In order to make the purpose, technical solution and advantages of the present application clearer, the present application will be further described in detail below in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described here are only used to explain the present application, and are not intended to limit the present application.
[0051]figure 1 It is an overall implementation flowchart of the card-free credit payment method in one embodiment of the present application, including steps S1 to S6:
[0052] S1: Establish a credit card account number of the payer, and collect the biometric information of the payer.
[0053] This step adopts the Adaboost learning algorithm to collect human body biometric information as a credit payment certificate. The human body biometric information includes face, fingerprint, palm print, iris, retina, voice, body shape, personal habits (such as the strength and freque...
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The present application relates to the field of financial payment transactions, and more particularly to a card-free credit payment method and system, a computer device and a storage medium. The card-free credit payment method comprises establishing a credit card account number of a payer, collecting human body biometric information and binding with the credit card account number; receiving payment requests and submitted biometric information from the payer; obtaining the payee information submitted by the payer and determine the payee and the amount to be paid accordingly; after positioning the bound credit card account number, obtaining the historical payment record according to the credit card account number; reading the outstanding amount and determining whether the payment function freeze limit of the credit card is reached, limiting the current payment when it is reached, and opening the payment function and completing the payment when it is not reached. The present application solves the problem that a traditional credit card must be carried with it and is liable to be lost, promotes the use of credit payment to small and medium-sized individual industrial and commercial households, and is conducive to the promotion and popularization of credit payment technology.
Description
technical field [0001] The present application relates to the field of financial payment transactions, in particular to a cardless credit payment method, system, computer equipment and storage medium. Background technique [0002] The current credit payment method mainly uses the POS machines of large businesses such as large shopping malls and hotels as the payment terminal, and realizes the corresponding payment business by swiping the credit card and then inputting the payment password. However, it is extremely inconvenient to directly use a credit card to complete credit payment. If the user forgets to carry the credit card or the credit card is damaged, it will be unfavorable for the credit payment when the user consumes. [0003] Therefore, the defects of the existing credit payment means using card certificates as credit payment vouchers mainly include: [0004] (1) It is inconvenient for the user to carry the card and it is easy to lose it; [0005] (2) It is often...
Claims
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Login to View More IPC IPC(8): G06Q20/40G06Q40/02
CPCG06Q20/40145G06Q20/405G06Q40/03
Inventor 陈颖聪
Owner PING AN TECH (SHENZHEN) CO LTD