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Small-money charging-paying method for Internet consumption account

A technology of consumption amount and small amount, applied in the direction of payment architecture, instruments, data processing applications, etc., can solve the problem of insecure credit cards and debit cards, and achieve the effect of reducing operating costs, low operating costs, and convenient and safe use.

Inactive Publication Date: 2006-08-09
黄金富
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

Furthermore, frequent consumption with credit cards and debit cards brings unsafe factors to credit cards and debit cards

Method used

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  • Small-money charging-paying method for Internet consumption account
  • Small-money charging-paying method for Internet consumption account
  • Small-money charging-paying method for Internet consumption account

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0016] Embodiment 1, the basis of this scheme is that the user first applies for an online account on the charging website that needs to download the content, the phone number provided by the user is the account number or login name of the online account, and a login password is selected.

[0017] When the user makes a small amount of consumption on the charging website, the fee is paid through the following process, the flow chart is as follows: figure 1 Shown:

[0018] 1) The website server receives the user's consumption request;

[0019] 2) Request the user to create or enter the account number and password of the user's online account;

[0020] 3) The server receives the online account information uploaded by the user;

[0021] 4) Confirm whether the online account has sufficient consumption amount, if the consumption amount is sufficient, then perform step 5); if the consumption amount is insufficient, request the user to perform a recharge process, and request the use...

Embodiment 2

[0048] The second embodiment is different from the first embodiment in that the method of recharging the online account is different.

[0049] Using the mobile phone number provided by the user as the account number of the online account or recording it in the account, requesting the user to recharge a certain amount of money into the online account includes the following steps. The recharge flow chart is as follows: image 3 Shown:

[0050] a) The website server requests the user to upload the mobile phone number;

[0051] b) Send the password to the mobile phone corresponding to the mobile phone number provided by the user;

[0052] c) Request the user to enter a password and receive the password entered by the user;

[0053] d) compare the password entered by the user with the password sent to the user, if they are the same, execute step e); if they are not the same, request the user to input the password again;

[0054] e) Deduct a certain fee from the account of the mo...

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PUM

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Abstract

The method includes steps: server of network station receives consuming request from consumer; requesting consumer to build new or input consumerí»s account number and password of account on network; server receives information of account up loaded from consumer; deducting corresponding charge or accumulated score from account on network, and allowing consumer to down load content requested; if money or accumulated score of account on network is not enough, then it is needed to deposit additional money to account on network in advance. Features are: low cost of operation, convenience and safety.

Description

【Technical field】 [0001] The invention relates to a payment method for online consumption, in particular to a payment method for small amount consumption on the Internet. 【Background technique】 [0002] At present, the Internet can be said to be everywhere. For the convenience of consumers, people can shop online. After entering the account number and password of the credit card or bank debit card, the website deducts the consumption amount from the credit card or bank debit card. And deliver the items purchased by the user to the user. In order to enrich people's lives, many websites now offer some download services, such as downloading pictures, downloading articles, downloading news, downloading songs, downloading jokes, etc., or regularly subscribing to texts and pictures, etc. Just 1 buck or a few bucks. If the payment is also made by credit card or bank debit card, due to the high security requirements of the credit card and debit card system and the high operating c...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/00
Inventor 黄金富
Owner 黄金富