Device for on-site payment and on-site payment method

Abstract

The purpose of the present invention is to provide a device for on-site payment. The device at least enables a tandem networking collection, i.e., the device is capable of addressing pain points (e.g., not using a smartphone) faced by a payee (especially older people). According to the device, the payee at least does not need to be provided with networked communication equipment for on-site collection, and then does not need to pay networking fees, and the device can confirm collection by itself. The invention further provides an on-site payment method.

Description

technical field [0001] The invention relates to an electronic wearable device, a cipher, and electronic payment, and the electronic payment involves on-site payment and offline payment. Background technique [0002] At present, mobile payment is more and more popular, and cash payment is less and less; The main method is to pay by scanning the code, that is, the payer scans the QR code of the payee to pay with the "scan" in the payment APP (such as "WeChat" or "Taobao") downloaded in his mobile phone; but the disadvantage is that : The payee must at least have his own communication equipment (such as a mobile phone for on-site collection) to connect with the third-party payment platform D (such as "WeChat") on the spot, and then obtain the payment APP ( Such as "WeChat payment") "voice broadcast or text notification on the screen" (that is, "how much money is received"), the payee can confirm the success of the on-site payment, that is, "parallel network" payment (that is, ...

AI Technical Summary

Problems solved by technology

[0002] At present, mobile payment is more and more popular, and cash payment is less and less; The main method is to pay by scanning the code, that is, the payer scans the QR code of the payee to pay with the "scan" in the payment APP (such as "WeChat" or "Taobao") downloaded in his mobile phone; but the disadvantage is that : The payee must at least have his own communication equipment (such as a mobile phone for on-site collection) to connect with the third-party payment platform D (such as "WeChat") on the spot, and then obtain the payment APP ( Such as "WeChat payment") "voice broadcast or text notification on the screen" (that is, "how much money is received"), the payee can confirm the success of the on-site payment, that is, "parallel network" payment (that is, payment The party’s mobile phone network and the payee’s mobile phone network, the two networks are equivalent to parallel and parallel); in addition, the payee must pay the traffic fee for the mobile phone network, or need to pay "providing wifi signal for the mobile phone The broadband fee involved in the wireless router" (hereinafter referred to as the traffic fee or broadband fee as "network fee")

[0003] In addition, whether it is in the suburban fringes of big cities, or in small and medium-sized cities or rural market towns, the second consumption places other than supermarkets (such as a large number of roadside stalls selling things, including vegetables, such as grandma, grandpa, Aunts, uncles, and other older people are the stall operators YYY), but YYY does not have a mobile phone, or dare not use a mobile phone (such as not familiar with the use of smart phones, such as fear of telecom fraud), that is, the payee does not have a mobile phone on site, facing The collection problem (pain point of collection) is: 1. Since many people do not bring cash when they go out for consumption (such as grocery shopping), and YYY has to ask for cash, it brings trouble to YYY's collection, such as having to leave Time and time again, even begging other sellers with mobile phones and QR codes to help them collect money with their mobile phones (the other sellers need to find cash to pay YYY afterwards), which also leads to slow sales of YYY's items ( For example, the vegetable buyer has no cash to pay YYY and has to buy other people’s vegetables), which in turn causes YYY to wait at the stall for a long time, even in the sun and rain, and cannot even sell things at the due price (such as discount); or 2, YYY has a QR code for payment, but does not bring a mobile phone (on the one hand, it may be because it does not know how to use a smart phone; Need to pay the Internet connection fee, which does not conform to YYY's frugal principle of "one point saved is one point"), the mobile phone bound to the QR code and used for payment is in the hands of relatives (such as adult sons or daughters or grandsons or granddaughters) ), after scanning the QR code on the buyer’s mobile phone and making payment, YYY can only look at the payment record on the page of the payment APP in the buyer’s mobile phone, but the payment record cannot be guaranteed to be true, that is, It cannot be ruled out that the buyer did not actually pay, falsified, or created a fake payment record (causing YYY to be suspicious on the spot, unable to collect the money on the spot, and cannot fully guarantee the receipt of the money. I can only pray that the buyer's conscience is good) , and, YYY sometimes complains that all the money for selling things has been taken by his relatives (because the mobile phone used to collect money is in the hands of his relatives, and it is bound to the relative's bank account), and the money that should be sold is not much at a time. , but it often adds up to a large sum of money over time,

[0004] In addition, it is assumed that the existing smart bracelet (with a password algorithm in the bracelet), which is also an electronic wearable device, can be used for "offline payment". QR code) is scanned by the payee's communication device (such as the scanning gun of the cash register), and the payment is made, that is, the bracelet is connected to the payee's cash register, and then connected to the third-party payment platform for payment (That is, "offline payment", that is, the bracelet used by the payer for on-site payment cannot be connected to the third-party payment platform itself. payee’s cash register), however, under the existing technology, first, the bracelet may only carry out the “offline payment” in the supermarket; second, in places other than the supermarket, the payer pays online Assuming that the wristband can be used for "offline collection" (that is, the payee's communication device used for on-site collection cannot be connected to the third-party payment platform itself, the communication device "through the payer's communication device" Receive payments online with a third-party payment platform, such as through the payer's mobile phone), but the payee's communication device for on-site collection (such as the bracelet) itself cannot confirm the payment, and the bracelet needs to be worn The payee (that is, the payee) confirms the payment on the payment APP of the third-party electronic payment platform (that is, D) downloaded in his own mobile phone (the mobile phone is paired with the bracelet through Bluetooth), that is, at least the bracelet Confirmation of payment is also inseparable from the wearer's own communication equipment such as a mobile phone (belonging to the above-mentioned "parallel network" payment)

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