Payment methods, devices, equipment and storage media

The payment method addresses inefficiencies in QR code payment systems by allowing automatic account switching using a transaction code with a card replacement marker, enhancing efficiency and flexibility by eliminating the need for rescanning and enabling code reuse.

TWI934199BActive Publication Date: 2026-08-01CHINA UNIONPAY
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Patent Information

Application Number
TW113113855
Authority / Receiving Office
TW · TW
Patent Type
Patents
Current Assignee / Owner
Priority Date
2023-07-20
Filing Date
2024-04-12
Publication Date
2026-08-01
Estimated Expiration
2044-04-11

AI Technical Summary

Technical Problem

Existing QR code payment methods are cumbersome and inefficient due to the need to rescan or reselect payment accounts when payment fails, especially in scenarios with insufficient balance or network lag, affecting both user and merchant processes.

Method used

A payment method and system that allows for automatic account replacement using a transaction code with a card replacement marker, enabling seamless switching to a secondary payment account without requiring users or merchants to rescan codes, and allowing the transaction code to be reused multiple times.

Benefits of technology

This approach simplifies the payment process by eliminating the need for code rescanning and reduces payment time by enabling code reuse, thereby improving efficiency and flexibility in QR code payment operations.

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Abstract

This invention discloses a payment method, apparatus, device, and storage medium. The method includes obtaining a transaction code provided by a transaction code management platform, the transaction code carrying a card replacement marker; sending a first request carrying the transaction code to the transaction code management platform to request payment of an order using the transaction code and a first payment account; upon receiving a first instruction from the transaction code management platform, replacing the first payment account with a second payment account based on the card replacement marker; and sending a second request to the transaction code management platform to request payment of the order using the transaction code and the second payment account. In this way, even if payment fails with the first payment account, payment can still be completed using the same transaction code and a different payment account, reducing the need for users to rescan codes in the primary scanning scenario and for merchants to rescan codes in the secondary scanning scenario. This simplifies the QR code payment operation, allows the transaction code to be reused multiple times, eliminates the need to obtain a new transaction code, and improves payment efficiency.
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