CN105243538A

CN105243538A - Payment method

Info

Publication number: CN105243538A
Application number: CN201410330124.6A
Authority: CN
Inventors: 朱正兴
Original assignee: Individual
Current assignee: Individual
Priority date: 2014-07-13
Filing date: 2014-07-13
Publication date: 2016-01-13

Abstract

Provided is a payment method. According to the method, the number of a bank card and transaction information are combined to form an order, and payment is made with the bank card on terminal equipment, especially ATM equipment with high popularizing rate, of the bank. There is no need to open online banking, online payment and other functions for the bank card, and there is no need to input a payment password via a public network. Transaction and payment are separated. The payment environment is of high security.

Description

A kind of method of payment

Technical field

The present invention relates to a kind of method of payment, particularly utilize the terminal device inquiry order of bank, and complete the method for payment.

Background technology

Along with the fast development of ecommerce, the modes of payments of people there occurs huge change, pay in cash in the past, bank cable transfer, postal remittance, POS swipe the card and pay as major way, add now the various ways such as Web bank, third-party platform payment (Alipay etc.), quick payment, Mobile banking, telephone bank, greatly enrich the modes of payments of people; On the other hand, bank increases atm device and multimedia self-help terminal energetically, conveniently meets the demand of the basic services such as people query the balance, withdraw the money, deposit, transfer accounts, common cost payment on behalf, alleviates the pressure of bank outlets' work, expanded the business of self.

The feature of the current modes of payments and deficiency:

1) there is respective Web bank in each bank, when client holds the bank card of certain bank, needs to handle to the application of this bank the business opening Web bank and online payment, then just can carry out the operation of online payment.

2) third-party platform pays needs to set up an account managed by third party, and use other modes of payments such as Web bank to supplement with money, General Requirements both parties have account, can provide the service of transaction guaranty.

3) quick pay be businessman by signing an agreement with bank, simplify a kind of modes of payments of payment process, usually only need the short message verification code of input handset after registration, can complete payment, its security is lower than Web bank's modes of payments.

4) Mobile banking, telephone bank all need to open corresponding business in advance, bind certain bank card, then just can carry out delivery operation.

5) the swipe the card POS (comprising Unionpay and third-party POS) that pays of POS has the attribute of industrial applications (corresponding different service charges), trade company's input spending amount, consumer swipes the card payment, does not have direct relation, generally do not have the service of transaction guaranty with concrete transaction content.

6) atm device (cash dispenser, deposit machine, cash recycling system) of bank and multimedia self-help terminal have certain popularity rate, but its payment function more weak (transfer accounts, common cost payment on behalf etc.).

7) client generally has multiple bank cards of Duo Jia bank, but generally all can not open Web bank and online payment function.

8) use Web bank, third-party platform is when paying the mode such as (Alipay etc.), Mobile banking, all need to input payment cipher on PC or mobile phone, and transmitted by public network, compared with the network at atm device and place thereof, security is low.

9) Web bank, third-party platform payment accounts, Mobile banking etc. have the function of financing, bill payment mostly, easily cause the problem of fund dispersion, account management confusion.

Summary of the invention

The present invention is directed to feature and the deficiency of the current modes of payments, propose a kind of new method of payment, order submitted to by PC or mobile phone, use bank card to pay on the terminal devices such as the ATM of bank, avoid inputting password on public network, improve the security of individual bankroll.

The present invention for crucial occurrence, adopts the design philosophy towards order with bank's card number, has one or more order under bank's card number, and these orders can only use the bank card of this card number to pay.Bank card (number) is the underlying carrier of individual bankroll, there are two attaching informations, one is credit card issuer, another is bankcard association, the banking terminal device selected during payment, selects the same with the use of present bank card, as the debit card having China Unionpay to indicate of a Bank of Communications, can use on the atm device of Bank of Communications, also can use on the atm device of other banks having China Unionpay to indicate, but can not use on the atm device of other banks only having VISA to indicate.

Concrete steps of the present invention are as follows:

(1) bank's card number and Transaction Information are combined to form order, are committed to server;

Bank's card number needs bank card numbers for paying, and for security with consider easily, bank's card number can be got an alias, registration on the server, uses another name in order, is completed the conversion called to bank's card number by server.Also can register an account on the server, binding bank's card number (can bind multiple banks card number), uses account, completes the conversion of account to bank's card number by server in order.

Transaction Information has comprised the full detail that exchange needs, as trade name, quantity, unit price, dealing money, receiver information, logistics information, the transaction term of validity etc.Wherein receiver information comprises payee name and payee bank card number, or Alipay account, fast money account etc.Transaction Information also comprises the safety practice used for completing exchange, as registered user, increases order and submits password to, for verifying the legitimacy of order submitter.

Server is used to preserve and management order, can have one or more order under bank's card number, server has the function such as user management, quota management, can be under the jurisdiction of certain credit card issuer, or certain bankcard association (as China Unionpay), or the third-party institution.

(2) on the terminal device of bank, the bank card of specifying in order is used, the order of this card number on querying server;

The terminal device of bank comprises the atm device (cash dispenser, deposit machine, cash recycling system), multimedia self-help terminal, bank counter terminal etc. of bank, current atm device has higher popularity rate in large-and-medium size cities, user is easy to find, and provides service in 24 hours.The terminal device of bank also comprises the POS of bankcard association (as China Unionpay) and the third-party institution, but be not only confined to these equipment, everyly bank card can be identified, and the equipment of some service (as query the balance, withdraw the money, pay the fees, consumption and payment etc.) can be provided, belong to the greatest extent the terminal device category of bank.

The bank card of specifying in order refers to the bank card for paying in order, the terminal device identification bank card of bank, obtains bank card number, game server, and inquiry needs the order using this card number to pay.

(3) select order, carry out delivery operation, complete transaction.

Select the order needing now to pay, automatically generate the total charge needing to pay, payment information is sent to credit card issuer, after credit card issuer confirms, return result, complete payment.

When carrying out delivery operation, have two kinds of basic modes, one directly geld is paid account payee; Another kind first geld is paid third party's account, after confirmation to be transacted, by third party's bill payment to account payee.

Payment cipher (any one character string of order submitter setting) can be set in order, need when paying to input payment cipher, the authority of validation of payment person.

In order, also can set phone number, use the mode of short message verification code, the authority of validation of payment person.

The present invention adopts the method for designing towards order, shopping online, common cost payment etc. are formed order, use bank card at the terminal device of bank, particularly atm device pays, without the need to opening the function such as Web bank, online payment, without the need to inputting payment cipher on public network, it pays environment (atm device, ATM transmission network etc.) and has higher security, the detailed transaction information of order can be inquired about by supervision department simultaneously, effectively prevent the illegal activities such as arbitrage, overcome the deficiency of the current modes of payments.

Accompanying drawing explanation

Fig. 1: a kind of system schematic of method of payment.

Specific embodiment

The card number that Zhang San has an A issued by banks is China Unionpay's debit card of 6222xxxxxxxxx2405, does not open Web bank and online payment function, and have registered one on the server Ming Wei zs2405, and is provided with order and submits password t18s07 to.Certain sky, another name zs2405, merchandise news, dealing money, logistics information etc., at online purchase commodity, are combined to form order by Zhang San, and password t18s07 is submitted in input to, and be committed to server, server authentication also preserves order; Then, Zhang San selects the atm device being printed on China Unionpay's mark of neighbouring B bank, use the bank card of 6222xxxxxxxxx2405, the order of this card number on querying server, select order, payment information is sent to A bank by the inter-bank system of China Unionpay, after A bank confirms, completes delivery operation.The object of the present embodiment helps to understand the present patent application.

Claims

1. a method of payment, is characterized in that: have the following steps:

(3) select order, carry out delivery operation, complete transaction.

2. a kind of method of payment according to claim 1, is characterized in that: delivery operation directly geld is paid account payee.

3. a kind of method of payment according to claim 1, is characterized in that: delivery operation first geld is paid third party's account, after confirmation to be transacted, by third party's bill payment to account payee.

4. a kind of method of payment according to claim 1, is characterized in that: bank's card number is the card number another name of a registration.

5. a kind of method of payment according to claim 1, is characterized in that: bank's card number is the bound register account number of this card number.

6. a kind of method of payment according to claim 1, is characterized in that: the terminal device of bank is the atm device of bank, multimedia self-help terminal, bank counter terminal.

7. a kind of method of payment according to claim 1, is characterized in that: the terminal device of bank is the POS of networking.

8. a kind of method of payment according to claim 1, is characterized in that: server submits password to, for verifying the legitimacy of order submitter containing order.

9. a kind of method of payment according to claim 1, is characterized in that: containing payment cipher in order, needs to input payment cipher, the authority of validation of payment person when paying.

10. a kind of method of payment according to claim 1, is characterized in that: containing phone number in order, uses the mode of short message verification code, the authority of validation of payment person.