Payment confirmation method, code scanning payment system and intelligent payment card

Abstract

The invention provides a payment confirmation method, a code scanning payment system and an intelligent payment card, which are convenient for a payee to confirm collection information, make up vulnerabilities, shorten transaction time and improve payment efficiency. The method comprises the following steps: receiving payment information sent by a payment platform, and prompting a user according to the payment information; the payment information is the payment information sent after the payment platform performs payment operation after a payment order is placed to the payment platform by a payer; the payment information is text information or voice information; the step of prompting the user according to the payment information comprises the step of converting the payment information into a reminding signal which can be recognized by sense organs of a human body.

Description

[0001] This application is a divisional application of application number 201710035604.3, application date January 18, 2017, and invention name “Smart Payment Card and System”. Technical Field

[0002] The present invention belongs to the field of intelligent payment technology, and in particular relates to a payment confirmation method, a code scanning payment system and an intelligent payment card. Background Art

[0003] With the development of Internet technology, existing electronic payment systems usually use QR codes for payment or payment, which is called face-to-face payment. The payer uses a mobile phone to scan the payee's payment QR code to make payment, or the payee scans the payer's payment QR code to receive payment. After the payment is completed, a message is pushed to the mobile phones of both parties, which simplifies the user's payment process and is generally welcomed by people.

[0004] However, after using the existing payment system to collect payment, the collection status (successful or not), collection amount and payee and other collection information acquisition and confirmation all require the payee to operate the collection terminal or check the payee's payment device. The former makes the payee's operation complicated, prolongs the transaction time of both parties, and reduces payment efficiency. The latter leads to fraud loopholes in collection, such as the payer showing the payee a screenshot of the last payment.

[0005] In the existing electronic payment system, a technical solution of a payment APP running on a smart terminal plus a QR code is adopted, wherein the QR code is a printed craftwork of a mechanical structure and does not include a smart device. Therefore, the confirmation of the payment requires the payee to operate the payment APP, which reduces the efficiency and speed of the payment. Although some APPs have the function of voice broadcasting payment information, it is difficult to achieve the design purpose of voice reminder of payment information due to factors such as the portability of smart devices, the privacy of personal belongings, and the output power of the speaker. For example, the APP of Shouqianba running on the payment smartphone can voice broadcast the payment information, but the payee needs to hold or carry the smartphone running the APP. When the person holding or carrying the smartphone is not at the payment site, other people cannot directly confirm the payment information and can only use an indirect method with fraud vulnerabilities (checking the payment completion page of the payer's smartphone), which limits its use. In addition, in terms of hardware technology, the average output power of the speaker of existing smartphones is less than 1 watt, and it is difficult to hear the payment information broadcast by voice in the noisy environment of the payment site.

[0006] In view of the above technical problems, it is necessary to propose a technical solution that facilitates users to confirm payment information and improves payment efficiency. Summary of the invention

[0007] The purpose of the present invention is to provide a payment confirmation method, a code scanning payment system and a smart payment card, which are intended to facilitate the payee to confirm the payment information, make up for loopholes, shorten transaction time and improve payment efficiency.

[0008] A method for confirming payment is provided, the method comprising: receiving payment information sent by a payment platform, and prompting a user according to the payment information; the payment information is the payment information sent by the payment platform after the payee places an order with the payment platform and performs a payment operation; the payment information is text information or voice information; prompting the user according to the payment information comprises converting the payment information into a reminder signal that can be recognized by human senses.

[0009] Furthermore, the payee placing an order on the payment platform includes the payee scanning a payment QR code.

[0010] Further, receiving the payment information sent by the payment platform includes receiving the payment information sent by the payment platform via a network device.

[0011] Furthermore, the network device is a mobile phone, a computer or a router.

[0012] Furthermore, the method also includes converting the text information into voice information.

[0013] Furthermore, prompting the user according to the payment information includes sending a reminder instruction, and prompting the user according to the reminder instruction.

[0014] Furthermore, the payment QR code is a QR code set by printing, engraving or casting.

[0015] Furthermore, the method also includes repeatedly reminding the most recent payment information.

[0016] Furthermore, the method is used for face-to-face payment of works.

[0017] A scan code payment system is also provided, which includes: a payment platform, which is used to receive orders from payees and send payment information after performing payment operations; a communication module, which is used to receive the payment information sent by the payment platform; the payment information is text information or voice information; a reminder module, which is used to prompt the user according to the payment information received by the communication module; and a QR code, which is used by the payee to scan and place an order with the payment platform.

[0018] Furthermore, the system also includes a control module, which is used to send a reminder instruction to the reminder module according to the payment information received by the communication module.

[0019] Furthermore, the system also includes a control module, which is used to convert text information into voice information.

[0020] Furthermore, the payment platform sends the payment information via a mobile phone, a computer or a router.

[0021] Furthermore, the system also includes a smart payment card, and the payment card is provided with the communication module, the reminder module and the QR code.

[0022] Furthermore, the QR code is set on the payment card by printing, engraving or casting.

[0023] A smart payment card is also provided, which includes a communication module, a reminder module and a QR code, wherein the communication module is used to receive payment information sent by a payment platform via a mobile phone, a computer or a router; the payment information is the payment information sent by the payment platform after the payer scans the QR code to place an order with the payment platform and the payment platform performs a payment operation; the payment information is text information or voice information; the reminder module is used to prompt the user according to the payment information received by the communication module.

[0024] Furthermore, the payment card also includes a control module, which is used to send a reminder instruction to the reminder module according to the payment information received by the communication module.

[0025] Furthermore, the payment card also includes a control module, which is used to convert text information into voice information.

[0026] According to the present invention, it is possible to make up for the payment collection loopholes, facilitate the payee to confirm the payment information, shorten the transaction time, and improve the payment efficiency. In the original face-to-face payment and collection transaction process, a series of operation steps required by the payee and the payee are saved, and all operations of the payee are saved, thus realizing "hands-free" payment collection. BRIEF DESCRIPTION OF THE DRAWINGS

[0027] Figure 1 This is a functional module diagram of the first embodiment of the smart payment card provided by the present invention;

[0028] Figure 2 This is a functional module diagram of the second embodiment of the smart payment card provided by the present invention;

[0029] Figure 3 It is a schematic diagram of the three-dimensional structure of the third embodiment of the smart payment card provided by the present invention;

[0030] Figure 4 It is a schematic diagram of the three-dimensional structure of the third embodiment of the smart payment card provided by the present invention;

[0031] Figure 5 This is a functional module diagram of the third embodiment of the smart payment card provided by the present invention;

[0032] Figure 6 It is a schematic diagram of the principle of the first embodiment of the intelligent payment system provided by the present invention;

[0033] Figure 7 It is a schematic diagram of the principle of the second embodiment of the intelligent payment system provided by the present invention.

[0034] Reference numerals:

[0035] Payment card base-10; communication module-101; reminder module-102; control module-103; repeat reminder module-104; QR code-20; display-30; sensor-40; button-50; payment platform-60; network device-70; server-80. DETAILED DESCRIPTION

[0036] The solution of the embodiment of the present invention is mainly: the smart payment card provided by the present invention includes a payment card base, and a communication module and a reminder module are arranged in the payment card base, the communication module is connected to the external payment platform for communication, and the communication module and the reminder module are connected, wherein: the communication module is used to receive the payment information sent by the external payment platform after the payment operation, and send the payment information to the reminder module, the payment information is text information or voice information; the reminder module is used to prompt the user according to the payment information, so as to facilitate the payee to confirm the payment information, so that the payee's operating steps are eliminated in the face-to-face payment project, the transaction time is shortened, and the payment efficiency is improved.

[0037] After the existing payment system collects payment, the payment status (successful or not), payment amount, payer and other payment information need to be obtained and confirmed by the payee operating the payment terminal, which makes the payment operation complicated, prolongs the transaction time of both parties, reduces payment efficiency, and has fraud loopholes. Although Shouqianba's payment terminal can broadcast the payment information by voice, it requires the payee to hold or carry the payment terminal running the APP. When the person holding or carrying the payment terminal is not on site, others cannot directly confirm the payment information, which limits its use. In addition, due to the limitation that the peak output power of existing mobile phone speakers is less than 2 watts and the average power is less than 1 watt, its voice broadcast cannot be heard clearly in the noisy environment of the payment site.

[0038] In order to solve the above problems, the present invention provides a solution to facilitate the payee to confirm the payment information, shorten the transaction time and improve the payment efficiency.

[0039] Specifically, Figure 1As shown, the first embodiment of the smart payment card of the present invention is proposed, and the smart payment card includes a payment card base 10, and a communication module 101 and a reminder module 102 are arranged in the payment card base 10, and the communication module 101 is connected to the external payment platform for communication, and the communication module 101 and the reminder module 102 are connected, wherein: the communication module 101 is used to receive the payment information sent by the external payment platform after the payment operation is performed, and send the payment information to the reminder module 102, and the payment information is text information or voice information; the reminder module 102 is used to prompt the user according to the payment information.

[0040] It is understandable that the payment platform includes one or more of Alipay, WeChat, 99Bill, 100Pay, Tenpay, Yeepay, Shouxinyi, Haopay, PayPal, UnionPay, bank, second-party payment, third-party payment, and fourth-party payment.

[0041] The payment information includes one or more of notification time, notification type, notification verification ID, signature type, signature, transaction number, developer's app_id, merchant order number, merchant business number, buyer user number, buyer account, seller user number, seller account, transaction status, order amount, actual amount collected, invoiced amount, payment amount, Jifenbao amount, total refund amount, actual refund amount, order title, product description, transaction creation time, transaction payment time, transaction end time, and payment amount information.

[0042] The communication module 101 can be one or more of an Ethernet module, a CAN bus module, an RS232 module, an RS485 module, a Bluetooth module, a WIFI module, a GPRS module, a 3G module, a 4G module, a 5G module, an NFC module, a NB-IOT module and a LORA module.

[0043] The reminder module 102 is a module that converts payment information into a reminder signal that can be recognized by human senses, such as one or more of a voice reminder module, a display reminder module, a photoelectric reminder module and a body sensing reminder module.

[0044] More specifically, when the payee places an order with the payment platform, the payment platform sends the payment information to the communication module 101, wherein the payment information can be a text message or a voice message. After receiving the payment information, the communication module 101 sends the payment information to the reminder module 102, and the reminder module 102 reminds according to the payment information, wherein the reminder method can be one or more of voice reminder, display reminder, photoelectric reminder and somatosensory reminder, so as to facilitate the payee to confirm the payment information, shorten the transaction time and improve the payment efficiency.

[0045] The smart payment card proposed in this embodiment includes a payment card base 10, and a communication module 101 and a reminder module 102 are arranged in the payment card base 10, and the communication module 101 is connected to the external payment platform for communication, and the communication module 101 and the reminder module 102 are connected, wherein: the communication module 101 is used to receive the payment information sent by the external payment platform after the payment operation, and send the payment information to the reminder module 102, and the payment information is text information or voice information; the reminder module 102 is used to prompt the user according to the payment information, so as to facilitate the payee to confirm the payment information, make up for the loophole of payment fraud, shorten the transaction time, improve the payment efficiency, and enhance the humanized experience.

[0046] For further information, please refer to Figure 2 As shown, based on the above first embodiment, the smart payment card of the present invention proposes a second embodiment. The difference between this embodiment and the above first embodiment is that the smart payment card provided in this embodiment is further provided with a control module 103, and the communication module 101 and the reminder module 102 are respectively connected to the control module 103.

[0047] In this embodiment, the communication module 101 is also used to send the payment information to the control module 103; the control module 103 is used to send a reminder instruction to the reminder module 102 according to the payment information; the reminder module 102 is also used to prompt the user according to the reminder instruction.

[0048] It can be understood that when the payment information received by the communication module 101 is text information, the control module 103 is also used to convert the text information into voice information through TTS and send a reminder instruction to the reminder module 102. Then, the reminder module 102 prompts the user according to the reminder instruction.

[0049] The smart payment card provided in this embodiment facilitates the payee to confirm the payment information, makes up for the loophole of payment fraud, shortens the transaction time, improves the payment efficiency, and further enhances the humanized experience.

[0050] Furthermore, based on the above second embodiment, please refer to Figure 3 , Figure 4 and Figure 5 As shown, the third embodiment of the present invention provides a smart payment card, which also includes a two-dimensional code 20 arranged on the payment card base 10, and the two-dimensional code 20 is detachably connected or fixedly connected to the base.

[0051] Specifically, the two-dimensional code 20 can be set on the payment card base 10 by printing, engraving or casting, or by buckles, bolts or magnets. In specific implementation, a card slot can be set on the payment card base 10 to insert the two-dimensional code 20. In this way, it is convenient for users to place orders on the payment platform by scanning the two-dimensional code 20, thereby improving payment efficiency.

[0052] The two-dimensional code may also adopt a hanging structure, and the hanging structure includes one or more of a hanging chain method, a magnet adsorption method and a pasting method.

[0053] In order to further enhance the humanized experience, in the smart payment card proposed in this embodiment, a display 30 and a sensor 40 are provided on the payment card base 10, wherein the display 30 is used to display one or more of the payment information, the payment QR code graphic information, the barcode and the advertising information, and the display 30 is connected to the control module 103. The sensor 40 is used to collect the surrounding environment information, and the sensor 40 is connected to the control module 103.

[0054] It can be understood that the sensor 40 can be one or more of a distance sensor, a pyroelectric sensor, a temperature sensor, a humidity sensor, a voice sensor, a gravity sensor, an acceleration sensor, a geomagnetic sensor and a positioning sensor.

[0055] In this embodiment, a distance sensor can be selected, and the distance sensor is used to detect the distance information between the user and the payment card base 10. When the distance information reaches a predetermined distance value, the display 30 displays the payment QR code graphic information according to the distance information. At this time, the payer can place an order to the payment platform by scanning the payment QR code graphic. After the payer completes the payment, the payment information is displayed through the display 30, or the payment information is played by voice through the reminder module: when the distance information does not reach the predetermined distance value, the display 30 displays advertising information. Among them, the predetermined distance value can be set according to actual experience. In this way, the payment efficiency is further improved, and the humanized experience is improved. In addition, when the distance information does not reach the predetermined distance value, the payment card enters a dormant state to reduce power consumption and improve the battery life when powered by a battery.

[0056] In addition, in order to facilitate users to understand the most recent payment information, in the smart payment card provided in this embodiment, a repeated reminder module 104 is also provided in the payment card base 10, and the repeated reminder module 104 is connected to the control module 103. A button 50 for controlling the repeated reminder module 104 to be turned on or off is provided on the payment card base 10, and the button 50 is connected to the control module 103.

[0057] It should be noted that, in a specific implementation, a lighting device, such as a lighting lamp, can be provided on the payment card base 10, and the lighting device is connected to the control module to facilitate the payee to use a mobile phone or other payment terminal to scan the payment QR code 20 in a dimly lit environment to complete the order operation.

[0058] In addition, in order to improve the voice broadcast quality of the reminder module, a voice broadcast hole can also be set on the payment card base.

[0059] To sum up, the smart payment card provided by the present invention includes a payment card base 10, and a communication module 101 and a reminder module 102 are arranged in the payment card base 10, and the communication module 101 is connected to the external payment platform for communication, and the communication module 101 and the reminder module 102 are connected, wherein: the communication module 101 is used to receive the payment information sent by the external payment platform after the payment operation, and send the payment information to the reminder module 102, and the payment information is text information or voice information; the reminder module 102 is used to prompt the user according to the payment information, so as to facilitate the payee to confirm the payment information, make up for the loophole of payment fraud, shorten the transaction time, improve the payment efficiency, and enhance the humanized experience.

[0060] Based on the above-mentioned smart payment card, the present invention also proposes a smart payment system, such as Figure 6 As shown, the first embodiment of the system includes a smart payment card, a payment platform 60 and a network device 70, and the smart payment card, the payment platform 60 and the network device 70 are communicatively connected.

[0061] The smart payment card may be the smart payment card described in the above embodiments. For the functional modules and implementation principles of the smart payment card, please refer to the above embodiments and will not be described in detail here.

[0062] It is understandable that the network device 70 may be one or more of a smart phone, a router, a gateway, a base station, a wireless AP and a computer.

[0063] When the payer scans the QR code 20 on the payment card base 10 through a mobile phone, the payment result or status and other relevant payment information generated after the payment is completed is sent to the network device 70 through the payment platform 60, and the network device 70 sends the relevant payment information to the smart payment card, thereby realizing the reminder of payment information.

[0064] Further, based on the above first embodiment, as Figure 7 As shown, the second embodiment of the practical information intelligent payment system may further include a server 80, and the server 80 is communicatively connected with the payment platform 60 and the network device 70 respectively.

[0065] Specifically, when the payer scans the QR code 20 on the payment card base 10 through a mobile phone, the relevant information of the payment request or order is sent to the payment platform 60 via the server 80. After the payment operation is completed, the payment platform 60 sends the relevant payment result or status information to the server 80, and then the server 80 sends the relevant payment information to the smart payment card via the network device 70, thereby realizing the reminder of the payment information to the user.

[0066] In addition, it should be noted that when the payer scans the QR code 20 on the payment card base 10 through a mobile phone, the payment request or order and other related information generated by the scan can also be directly sent to the payment platform 60. After the payment is completed, the payment platform 60 sends the payment result or status information to the smart payment card via the network device 70 to remind the user of the payment information.

[0067] To sum up, the smart payment system provided by the present invention includes a smart payment card, a payment platform and a network device. The smart payment card, the payment platform and the network device are communicatively connected. The payment information is reminded to the user through the smart payment card, which facilitates the payee to confirm the payment information, shortens the transaction time, improves the payment efficiency, makes up for the fraud loopholes, and enhances the humanized experience.

[0068] The above description is only a preferred embodiment of the present invention and is not intended to limit the present invention. Any modifications, equivalent substitutions and improvements made within the spirit and principles of the present invention should be included in the protection scope of the present invention.

Claims

1. A method for confirming payment, characterized in that: The method includes: Receive payment information sent by the payment platform and prompt the user based on the payment information; The payment information is the payment information sent by the payment platform after the payee places an order with the payment platform and performs the payment operation; the payment information is text information or voice information; Prompting the user based on the payment information includes converting the payment information into a reminder signal that can be recognized by human senses.

2. The method of claim 1, wherein: The payee placing an order on the payment platform includes the payee scanning a payment QR code.

3. The method of claim 1, wherein: The receiving the payment information sent by the payment platform includes receiving the payment information sent by the payment platform via a network device.

4. The method of claim 3, wherein: The network device is a mobile phone, a computer or a router.

5. The method of claim 1, wherein: The method also includes converting the text information into voice information.

6. The method of claim 1, wherein: Prompting the user according to the payment information includes sending a reminder instruction, and prompting the user according to the reminder instruction.

7. The method of claim 2, wherein: The payment QR code is a QR code set by printing, engraving or casting.

8. The method of claim 1, wherein: The method also includes repeatedly reminding the most recent payment information.

9. The method of claim 1, wherein: This method is used for face-to-face payment of projects.

10. A code scanning payment system, characterized in that: The system includes: The payment platform is used to receive orders from payees and send payment information after payment operations; A communication module, the communication module is used to receive the payment information sent by the payment platform; the payment information is text information or voice information; a reminder module, the reminder module being used to remind the user according to the payment information received by the communication module; and A QR code is used by the payer to scan and place an order on the payment platform.

11. The system of claim 10, wherein: The system further comprises a control module, which is used for sending a reminder instruction to the reminder module according to the payment information received by the communication module.

12. The system of claim 10, wherein: The system also includes a control module, which is used to convert the text information into voice information.

13. The system of claim 10, wherein: The payment platform sends the payment information via a mobile phone, computer or router.

14. The system of claim 10, wherein: The system also includes a smart payment card, The payment card is provided with the communication module, the reminder module and the QR code.

15. The system of claim 14, wherein: The two-dimensional code is set on the payment card by printing, engraving or casting.

16. A smart payment card, characterized in that: The payment card includes a communication module, a reminder module and a QR code. The communication module is used to receive payment information sent by the payment platform via a mobile phone, a computer or a router; the payment information is the payment information sent by the payment platform after the payer scans the QR code to place an order with the payment platform and the payment platform performs the payment operation; the payment information is text information or voice information; The reminder module is used to remind the user according to the payment information received by the communication module.

17. The payout card of claim 16, wherein: The payment card also includes a control module, which is used to send a reminder instruction to the reminder module according to the payment information received by the communication module.

18. The system of claim 16, wherein: The payment card also includes a control module, which is used to convert text information into voice information.

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