APP-based multi-prepaid card payment method and system

A prepaid card payment and prepaid card technology, which is applied in the field of multi-prepaid card payment based on APP, can solve the problems of low payment efficiency and inability to realize joint payment of multiple prepaid cards, and achieve the effect of improving payment efficiency

Pending Publication Date: 2020-04-24
四川商通实业有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

At present, online payment is basically based on single-card payment, that is, one-time consumption takes the bound single card as the main body, and joint payment of multiple prepaid cards bound to users cannot be realized, and the payment efficiency is low

Method used

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  • APP-based multi-prepaid card payment method and system
  • APP-based multi-prepaid card payment method and system

Examples

Experimental program
Comparison scheme
Effect test

Embodiment

[0051] Such as figure 1 Shown, a kind of APP-based multi-prepaid card payment method comprises the following steps:

[0052] S1. Obtain the information of the user's prepaid card, bind the prepaid card, and associate multiple bound prepaid cards;

[0053] S2. Obtain the amount in each prepaid card, and arrange the payment order of multiple prepaid cards according to the amount from large to small;

[0054] S3. Receive the user's settlement request and obtain the user's consumption amount;

[0055] S4. According to the payment sequence of the prepaid card, the user's consumption amount is paid and settled;

[0056] S5. After the payment and settlement are completed, a payment bill is generated and sent to the user interface.

[0057] Obtain the information of the user's prepaid card, bind the prepaid card, and associate the bound multiple prepaid cards. When the cooperative merchants place an order to purchase goods through the APP online, or the user uses offline payment, ...

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Abstract

The invention discloses an APP-based multi-prepaid card payment method and system, and the method comprises the following steps: obtaining the information of a user prepaid card, carrying out the binding of the prepaid card, and enabling a plurality of bound prepaid cards to be correlated; obtaining the amount of money in each prepaid card, and arranging the prepaid cards in a payment sequence from large to small according to the amount of money; receiving a user settlement request, and obtaining the consumption amount of the user; performing payment settlement on the consumption amount of theuser according to the payment sequence of the prepaid cards; and after payment settlement is completed, forming a payment bill and sending same to the user interface. According to the invention, a plurality of prepaid cards bound by a user can be associated, synchronous updating of multi-card data is realized, real-time operation analysis is carried out for different consumption numbers, single-card or multi-card payment and intelligent transfer are realized, one-time settlement of multi-card consumption of the user can be realized, and the payment efficiency is improved.

Description

technical field [0001] The present invention relates to the field of transaction payment, in particular to an APP-based multi-prepaid card payment method and system. Background technique [0002] The traditional prepaid card payment is issued by the card issuer in a specific carrier and form, requiring the cardholder to swipe the card at a specific merchant for consumption. With the development of the mobile Internet, mobile apps based on prepaid cards can also be used in the online environment, such as online Buy directly or pay by scanning the QR code. At present, online payment is basically based on single-card payment, that is, one-time consumption takes the bound single card as the main body, and joint payment with multiple prepaid cards bound to users cannot be realized, and the payment efficiency is low. Contents of the invention [0003] In order to solve the problems existing in the prior art, the present invention provides an APP-based multi-prepaid card payment...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/28G06Q20/34G06Q30/06
CPCG06Q20/28G06Q20/349G06Q30/0601
Inventor 王海龙
Owner 四川商通实业有限公司
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