CN109472881A - A kind of the high speed passage expense method of payment and system of the credit information based on user - Google Patents
A kind of the high speed passage expense method of payment and system of the credit information based on user Download PDFInfo
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- CN109472881A CN109472881A CN201811303607.1A CN201811303607A CN109472881A CN 109472881 A CN109472881 A CN 109472881A CN 201811303607 A CN201811303607 A CN 201811303607A CN 109472881 A CN109472881 A CN 109472881A
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07B—TICKET-ISSUING APPARATUS; FARE-REGISTERING APPARATUS; FRANKING APPARATUS
- G07B15/00—Arrangements or apparatus for collecting fares, tolls or entrance fees at one or more control points
- G07B15/06—Arrangements for road pricing or congestion charging of vehicles or vehicle users, e.g. automatic toll systems
- G07B15/063—Arrangements for road pricing or congestion charging of vehicles or vehicle users, e.g. automatic toll systems using wireless information transmission between the vehicle and a fixed station
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/14—Payment architectures specially adapted for billing systems
- G06Q20/145—Payments according to the detected use or quantity
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
- G06Q20/24—Credit schemes, i.e. "pay after"
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Abstract
The embodiment of the invention discloses a kind of current expense method of payment of the high speed of credit information based on user and systems, wherein, the described method includes: credit information and current cost information based on the current user to passing vehicle got, match corresponding credit underwriting side；Payment set meal information on services associated with credit underwriting side is obtained, and obtains the preference information of user；According to the preference information of user, corresponding payment set meal service is chosen from the corresponding multinomial payment set meal service of payment set meal information on services, and pays corresponding current expense.The solution of the present invention can accomplish: providing safer and convenient and fast current expense method of payment for user, improve the traffic efficiency of high flow capacity fastlink.
Description
Technical field
It is free of charge Car park payment technical field the present invention relates to highway, and in particular to a kind of credit letter based on user
The current expense method of payment of the high speed of breath and system.
Background technique
Currently, highway is often to calculate the pass cost to passing vehicle to the pass cost processing of passing vehicle
With user can be paid calculated wait pass through by various ways such as cash, bank card, credit card, Alipay or wechats
The passage expense of vehicle.
One of the processing mode of the above-mentioned passage expense to passing vehicle, if user pays down, and to passing vehicle
For the truck for being loaded with cargo, then the high speed passage collected to it is costly, and the cash that this just needs user to carry writing is golden
Volume, in this way, be to client it is unsafe, whether the staff for collecting current expense needs to verify the passage expense collected quasi-
Really, in this way, settlement time will extend, traffic efficiency has been seriously affected.
It can also be to use bank card to one of the processing mode of the passage expense of passing vehicle other than aforesaid way
Payment, this ETC stored value card account for just needing user to possess it are supplemented with money in advance, supplement process complexity with money, and are not suitable for big
The amount of money, multiple transaction.If only just there is distribution permission in bank, and issuer is single with Credit Card Payments, it is unfavorable for general
And and if the reference of individual subscriber also will appear problem without refunding in time.
If carry out paying current expense with Alipay and wechat, user, which needs the high speed card of oneself first to give, collects high speed
The staff of current expense, staff calculates the passage expense of user, and current expense is informed user, and user's point is opened
The payment page of wechat is paid or user's point is opened the payment page of Alipay and paid, this just needs the branch of user
The process of paying is in always in stable network environment, and the process of payment process complexity and payment is time-consuming, is unfavorable for the height more than wagon flow
The fast passing of fast highway.
How the passage expense of passing vehicle, which carries out safety and rapidly processes, to be waited for highway, it is high to improve vehicle flowrate
The traffic efficiency of highway be technical problem to be solved.
Summary of the invention
A kind of current expense payer of the high speed for being designed to provide credit information based on user of the embodiment of the present invention
Method and system, the pass cost to solve the passing vehicle on existing highway are both dangerous and processed with treatment process
The slow problem of journey.
To achieve the above object, the embodiment of the present invention provides a kind of current expense branch of high speed of credit information based on user
The method of paying, which comprises credit information and current cost information based on the current user to passing vehicle got,
Match corresponding credit underwriting side, wherein the credit underwriting side for paying currently to the pass cost of passing vehicle in advance
With；Payment set meal information on services associated with the credit underwriting side is obtained, and obtains the preference information of the user；
According to the preference information of the user, phase is chosen from the corresponding multinomial payment set meal service of the payment set meal information on services
The payment set meal service answered, and pay corresponding current expense.
Optionally, the method also includes: obtain associated with the credit information of the user the first related information, institute
The first related information is stated for characterizing the credit rating of the user.
Optionally, first related information is included at least with the next item down: house-purchase refund information, the use of the user
The purchase vehicle refund information at family, the shopping refund information of the user, the income of the user prove that information, the user are paid taxes
Prove information.
Optionally, the preference information according to the user, it is corresponding multinomial from the payment set meal information on services
It pays and chooses corresponding payment set meal service in set meal service, and if paying corresponding pass cost specifically includes: the user
Preference information show: the preference of the user is to select the credit underwriting side for China Telecom, then from the payment
Selection and the matched payment set meal service of the China Telecom in the corresponding multinomial payment set meal service of set meal information on services, and prop up
Pay corresponding current expense；If the preference information of the user is shown: the preference of institute user is to select the credit underwriting
Side is that way tiger is maintained the car, then selection is supported with the way tiger from the payment set meal information on services corresponding multinomial payment set meal service
The matched payment set meal service of vehicle, and pay corresponding current expense；If the preference information of the user is shown: the use
The preference at family is to select the credit underwriting side for Guangzhou Automobile Workshop's finance, then from the corresponding multinomial payment of the payment set meal information on services
Selection and the matched payment set meal service of Guangzhou Automobile Workshop's finance in set meal service, and pay corresponding current expense.
Optionally, the method also includes: obtain with the mode of repayment information of the current matched user of expense,
Wherein, the corresponding mode of repayment of the mode of repayment information is included at least with the next item down: the mode of repayment is binding silver
The automatic mode of repayment of row card, the mode of repayment that the mode of repayment is Alipay account, the mode of repayment are wechat account
Mode of repayment, the mode of repayment be the wing payment mode of repayment.
Match with the above method, another aspect of the present invention provides a kind of high speed pass cost of credit information based on user
With payment system, the system comprises matching units, credit information based on the current user to passing vehicle got and
Current cost information, matches corresponding credit underwriting side, wherein the credit underwriting side for paying currently wait pass through in advance
The passage expense of vehicle；Acquiring unit obtains payment associated with the credit underwriting side that the matching unit matches
Set meal information on services, and obtain the preference information of the user；Payment unit, according to the preference information of the user,
Corresponding payment set meal service is chosen from the corresponding multinomial payment set meal service of the payment set meal information on services, and pays phase
The passage expense answered.
Optionally, the acquiring unit is also used to: obtaining the first association letter associated with the credit information of the user
Breath, first related information are used to characterize the credit rating of the user.
Optionally, first related information that the acquiring unit is got is included at least with the next item down: the user
House-purchase refund information, the purchase vehicle refund information of the user, the shopping refund information of the user, the income of the user card
Bright information, the tax certificate information of the user.
Optionally, the payment unit is specifically used for: if the preference for the user that the acquiring unit is got is believed
Breath is shown: the preference of the user is to select the credit underwriting side for China Telecom, then believes from the payment set meal service
Selection and the matched payment set meal service of the China Telecom in corresponding multinomial payment set meal service are ceased, and is paid corresponding logical
Row expense；If the preference information for the user that the acquiring unit is got is shown: the preference of institute user is selection institute
Stating credit underwriting side is that way tiger is maintained the car, then select from the corresponding multinomial payment set meal service of the payment set meal information on services and
The way tiger is maintained the car matched payment set meal service, and pays corresponding current expense；If the institute that the acquiring unit is got
The preference information for stating user is shown: the preference of the user is to select the credit underwriting side for Guangzhou Automobile Workshop's finance, then from institute
Selection in the corresponding multinomial payment set meal service of payment set meal information on services is stated to take with the matched payment set meal of Guangzhou Automobile Workshop's finance
Business, and pay corresponding current expense.
Optionally, the acquiring unit is also used to: obtaining the mode of repayment with the current matched user of expense
Information, wherein the corresponding mode of repayment of the mode of repayment information that the acquiring unit is got includes at least following
One: the mode of repayment is the automatic mode of repayment for binding bank card, the refund side that the mode of repayment is Alipay account
Formula, the mode of repayment that the mode of repayment is wechat account, the mode of repayment are the mode of repayment of wing payment.
The embodiment of the present invention has the advantages that a kind of height of credit information based on user provided in an embodiment of the present invention
The current expense method of payment of speed and system, can accomplish: provide safer and convenient and fast current expense payer for user
Method improves the traffic efficiency of high flow capacity fastlink.
Detailed description of the invention
Fig. 1 is a kind of current expense method of payment of high speed for credit information based on user that the embodiment of the present invention 1 provides
Flow diagram；
Fig. 2 is a kind of current payment system of high speed for credit information based on user that the embodiment of the present invention 2 provides
Structural schematic diagram；
In figure: 201- matching unit；202- acquiring unit；203- payment unit.
Specific embodiment
Embodiments of the present invention are illustrated by particular specific embodiment below, those skilled in the art can be by this explanation
Content disclosed by book is understood other advantages and efficacy of the present invention easily.
It should be clear that this specification structure depicted in this specification institute accompanying drawings, ratio, size etc., only to cooperate specification to be taken off
The content shown is not intended to limit the invention enforceable qualifications so that those skilled in the art understands and reads, therefore
Do not have technical essential meaning, the modification of any structure, the change of proportionate relationship or the adjustment of size are not influencing the present invention
Under the effect of can be generated and the purpose that can reach, it should all still fall in disclosed technology contents and obtain the model that can cover
In enclosing.Meanwhile in this specification cited such as "upper", "lower", "left", "right", " centre " term, be merely convenient to chat
That states is illustrated, rather than to limit the scope of the invention, relativeness is altered or modified, and is changing skill without essence
It is held in art, when being also considered as the enforceable scope of the present invention.
Embodiment 1
Embodiment according to the present invention 1 provides a kind of current expense payer of high speed of credit information based on user
Method, as shown in Figure 1, a kind of current expense payer of high speed of the credit information based on user provided for the embodiment of the present invention 1
The flow diagram of method.This method at least includes the following steps:
S101, credit information and current cost information based on the current user to passing vehicle got, matches
Corresponding credit underwriting side, wherein credit underwriting side for paying currently to the passage expense of passing vehicle in advance；
S102 obtains payment set meal information on services associated with credit underwriting side, and obtains the preference letter of user
Breath；
S103, according to the preference information of user, from the corresponding multinomial payment set meal service of payment set meal information on services
Corresponding payment set meal service is chosen, and pays corresponding current expense；In this way, through the embodiment of the present invention 1 provide one kind
The current expense method of payment of the high speed of credit information based on user, can accomplish: provide for user safer and convenient
Passage expense method of payment, improve the traffic efficiency of high flow capacity fastlink.
In an optional example, the method also includes: it obtains associated with the credit information of user first and closes
Join information, the first related information is used to characterize the credit rating of user.
In an optional example, the first related information is included at least with the next item down: the house-purchase refund information of user is used
Purchase vehicle refund information, the shopping refund information of user, the income of user at family prove information, the tax certificate information of user；This
Sample can symbolize the credit rating of user according to the first related information.
For example, in practical applications, if the house-purchase refund information of user, which shows user, can go back housing loan every month on time,
Then illustrate that the credit rating of user is high.
It is corresponding multinomial from payment set meal information on services according to the preference information of user in an optional example
It pays and chooses corresponding payment set meal service in set meal service, and if paying corresponding pass cost specifically includes: the inclined of user
Degree information is shown well: the preference of user is to select credit underwriting side for China Telecom, then corresponding from payment set meal information on services
Multinomial payment set meal service in selection with the matched payment set meal service of China Telecom, and pay accordingly pass through expense；If
The preference information of user is shown: the preference of institute user is that credit underwriting side is selected to maintain the car for way tiger, then from payment set meal clothes
Matched payment set meal service of maintaining the car with way tiger is selected in the corresponding multinomial payment set meal service of business information, and is paid corresponding logical
Row expense；If the preference information of user is shown: the preference of user is to select credit underwriting side for Guangzhou Automobile Workshop's finance, from payment
Selection and the matched payment set meal service of Guangzhou Automobile Workshop's finance in the corresponding multinomial payment set meal service of set meal information on services, and pay phase
The passage expense answered；In this way, corresponding payment set meal service can be chosen, and pay corresponding according to the personal preference of user
Current expense.
In practical applications, if China Telecom is credit underwriting side, China Telecom can be in conjunction with the cell-phone number set of user
Meal or broadband set meal, release the set meal of different amounts.If the telephone expenses set meal of telecommunications 138, can enjoy freely get equipment with
And 5000 yuan, 30 days interest-free set meals, it was not gone back more than 30 days, collects certain interest.If the telephone expenses set meal of telecommunications 198,
It can enjoy and freely get equipment and 10000 yuan of 80 days interest-free set meals, not gone back more than 30 days, collect certain interest.
In this way, can both promote telecom service plan, the user volume of ETC can also be promoted.
In addition, if it is credit underwriting side that way tiger, which is maintained the car, way tiger is maintained the car can be worth in conjunction with the automobile of user, open difference
Set meal.For example, 100,000 automobile, authorizes 3000 yuan, 30 days interest-free amounts.200000 vehicle authorizes 5000 yuan, 30 days frees of interest
Amount, be more than this time limit, collect certain expense.Tiger is maintained the car on way, can send ETC equipment and guarantee set by maintenance 5 times
The mode of meal promotes user.Way tiger, which is maintained the car, can carry out different service propellings for these users, enhance the glutinous of user
Property.
In another example can be promoted in all shops Guangzhou Automobile Workshop 4S, after-sales department if Guangzhou Automobile Workshop's finance is credit underwriting side
Credit underwriting business.When user's purchase new car or when maintenance van, different types of service is promoted.Such as user is when buying new car,
If loan, send the credit line of+2000 yuan of ETC equipment, increases the selection of user.When user's maintenance van, if signed primary
5 maintenance business are bought, the credit line of+2000 yuan of ETC equipment is sent, increase the selection of user.Guangzhou Automobile Workshop's finance, can be directed to this
A little users carry out different service propellings, increase portfolio, enhance the stickiness of user.
In an optional example, the method also includes: obtain the mode of repayment with the current matched user of expense
Information, wherein the corresponding mode of repayment of mode of repayment information is included at least with the next item down: mode of repayment is oneself for binding bank card
Dynamic mode of repayment, mode of repayment are the mode of repayment of Alipay account, mode of repayment is the mode of repayment of wechat account, refund side
Formula is the mode of repayment of wing payment；In this way, can satisfy the user with different payment habits.
It should be noted that on board unit has to be equipped with OBU (On board Unit, on board unit) in passing vehicle
It is formed with lower module: main control module, GPS module, mobile communication module, power module.
OBU on board unit use DSRC (Dedicated Short Range Communication) technology, with RSU into
The microwave device of row communication.In ETC system, OBU is put onboard, and roadside sets up drive test unit (RSU-Road Side
Unit), communicated between each other by microwave.When vehicle high-speed passes through RSU, microwave communication is used between OBU and RSU,
By when, identify it is true and false, obtain vehicle, calculate rate, deduct pass cost.
In conclusion a kind of current reimbursement of expense of the high speed for credit information based on user that the embodiment of the present invention 1 provides
Method has the following beneficial effects: and provides safer and convenient and fast current expense method of payment for user, improves height
The traffic efficiency of flow fastlink.
Embodiment 2
According to an embodiment of the invention, a kind of current reimbursement of expense system of the high speed for additionally providing credit information based on user
System, the system comprises matching unit 201, acquiring unit 202 and payment units 203.
Specifically, matching unit 201, credit information and passage based on the current user to passing vehicle got
Cost information matches corresponding credit underwriting side, wherein credit underwriting side for paying currently to the logical of passing vehicle in advance
Row expense；
Acquiring unit 202 obtains payment set meal service letter associated with the credit underwriting side that matching unit 201 matches
Breath, and obtain the preference information of user；
Payment unit 203, according to the preference information of user, from the corresponding multinomial payment set meal of payment set meal information on services
Corresponding payment set meal service is chosen in service, and pays corresponding current expense；In this way, 2 providing through the embodiment of the present invention
A kind of credit information based on user the current payment system of high speed, can accomplish: for user provide it is safer,
And expense method of payment of easily passing through, improve the traffic efficiency of high flow capacity fastlink.
In an optional example, acquiring unit 202 is also used to: obtaining associated with the credit information of user first
Related information, the first related information are used to characterize the credit rating of user.
In an optional example, the first related information that acquiring unit 202 is got is included at least with the next item down: being used
House-purchase refund information, the purchase vehicle refund information of user, the shopping refund information of user, the income of user at family prove information, use
The tax certificate information at family.
In an optional example, payment unit 203 is specifically used for: if the user's that acquiring unit 202 is got is inclined
Degree information is shown well: the preference of user is to select credit underwriting side for China Telecom, then corresponding from payment set meal information on services
Multinomial payment set meal service in selection with the matched payment set meal service of China Telecom, and pay accordingly pass through expense；If
The preference information for the user that acquiring unit 202 is got is shown: the preference of institute user is to select credit underwriting side for way tiger
It maintains the car, then selects matched payment set meal of maintaining the car with way tiger from the corresponding multinomial payment set meal service of payment set meal information on services
Service, and pay corresponding current expense；If the preference information for the user that acquiring unit 202 is got is shown: user's
Preference is to select credit underwriting side for Guangzhou Automobile Workshop's finance, then selects from the corresponding multinomial payment set meal service of payment set meal information on services
Select with the matched payment set meal service of Guangzhou Automobile Workshop's finance, and pay corresponding passage expense；In this way, can be inclined according to the individual of user
It is good, corresponding payment set meal service is chosen, and pay corresponding current expense.
In practical applications, if China Telecom is credit underwriting side, China Telecom can be in conjunction with the cell-phone number set of user
Meal or broadband set meal, release the set meal of different amounts.If the telephone expenses set meal of telecommunications 138, can enjoy freely get equipment with
And 5000 yuan, 30 days interest-free set meals, it was not gone back more than 30 days, collects certain interest.If the telephone expenses set meal of telecommunications 198,
It can enjoy and freely get equipment and 10000 yuan of 80 days interest-free set meals, not gone back more than 30 days, collect certain interest.
In this way, can both promote telecom service plan, the user volume of ETC can also be promoted.
In addition, if it is credit underwriting side that way tiger, which is maintained the car, way tiger is maintained the car can be worth in conjunction with the automobile of user, open difference
Set meal.For example, 100,000 automobile, authorizes 3000 yuan, 30 days interest-free amounts.200000 vehicle authorizes 5000 yuan, 30 days frees of interest
Amount, be more than this time limit, collect certain expense.Tiger is maintained the car on way, can send ETC equipment and guarantee set by maintenance 5 times
The mode of meal promotes user.Way tiger, which is maintained the car, can carry out different service propellings for these users, enhance the glutinous of user
Property.
In another example can be promoted in all shops Guangzhou Automobile Workshop 4S, after-sales department if Guangzhou Automobile Workshop's finance is credit underwriting side
Credit underwriting business.When user's purchase new car or when maintenance van, different types of service is promoted.Such as user is when buying new car,
If loan, send the credit line of+2000 yuan of ETC equipment, increases the selection of user.When user's maintenance van, if signed primary
5 maintenance business are bought, the credit line of+2000 yuan of ETC equipment is sent, increase the selection of user.Guangzhou Automobile Workshop's finance, can be directed to this
A little users carry out different service propellings, increase portfolio, enhance the stickiness of user.
In an optional example, acquiring unit 202 is also used to: obtaining the refund side with the current matched user of expense
Formula information, wherein the corresponding mode of repayment of mode of repayment information that acquiring unit 202 is got is included at least with the next item down: also
Money mode be bind bank card automatic mode of repayment, mode of repayment be the mode of repayment of Alipay account, mode of repayment is micro-
Believe the mode of repayment of account, the mode of repayment that mode of repayment is wing payment.
In conclusion a kind of current reimbursement of expense of the high speed for credit information based on user that the embodiment of the present invention 2 provides
System has the following beneficial effects: and provides safer and convenient and fast current expense method of payment for user, improves height
The traffic efficiency of flow fastlink.
Although above having used general explanation and specific embodiment, the present invention is described in detail, at this
On the basis of invention, it can be made some modifications or improvements, this will be apparent to those skilled in the art.Therefore,
These modifications or improvements without departing from theon the basis of the spirit of the present invention are fallen within the scope of the claimed invention.
Claims (10)
1. a kind of current expense method of payment of the high speed of credit information based on user characterized by comprising
Credit information and current cost information based on the current user to passing vehicle got, match corresponding credit
Guarantee side, wherein the credit underwriting side for paying currently to the passage expense of passing vehicle in advance；
Payment set meal information on services associated with the credit underwriting side is obtained, and obtains the preference letter of the user
Breath；
According to the preference information of the user, selected from the corresponding multinomial payment set meal service of the payment set meal information on services
Corresponding payment set meal service is taken, and pays corresponding current expense.
2. the method according to claim 1, wherein the method also includes:
The first related information associated with the credit information of the user is obtained, first related information is described for characterizing
The credit rating of user.
3. according to the method described in claim 2, it is characterized in that,
First related information include at least with the next item down: the user house-purchase refund information, the user purchase vehicle also
Money information, the shopping refund information of the user, the income of the user prove information, the tax certificate information of the user.
4. the method according to claim 1, wherein the preference information according to the user, from described
It pays in the corresponding multinomial payment set meal service of set meal information on services and chooses corresponding payment set meal service, and pay corresponding logical
Row expense specifically includes:
If the preference information of the user is shown: the preference of the user is to select the credit underwriting side for Chinese electricity
Letter then selects and the matched branch of the China Telecom from the corresponding multinomial payment set meal service of the payment set meal information on services
Set meal service is paid, and pays corresponding current expense；
If the preference information of the user is shown: the preference of institute user is that the credit underwriting side is selected to maintain the car for way tiger,
Matched payment of maintaining the car with the way tiger is then selected from the corresponding multinomial payment set meal service of the payment set meal information on services
Set meal service, and pay corresponding current expense；
If the preference information of the user is shown: the preference of the user is to select the credit underwriting side for Guangzhou Automobile Workshop's gold
Melt, then selection and the matched branch of Guangzhou Automobile Workshop's finance from the payment set meal information on services corresponding multinomial payment set meal service
Set meal service is paid, and pays corresponding current expense.
5. the method according to claim 1, wherein the method also includes:
Obtain the mode of repayment information with the current matched user of expense, wherein the mode of repayment information is corresponding
The mode of repayment include at least with the next item down: the mode of repayment be bind bank card automatic mode of repayment, it is described and also
Money mode is the mode of repayment of Alipay account, the mode of repayment is wechat account mode of repayment, the mode of repayment are
The mode of repayment of wing payment.
6. a kind of current payment system of the high speed of credit information based on user characterized by comprising
Matching unit, credit information and current cost information based on the current user to passing vehicle got, matches
Corresponding credit underwriting side, wherein the credit underwriting side for paying currently to the passage expense of passing vehicle in advance；
Acquiring unit obtains payment set meal service letter associated with the credit underwriting side that the matching unit matches
Breath, and obtain the preference information of the user；
Payment unit, according to the preference information of the user, from the corresponding multinomial payment set of the payment set meal information on services
Corresponding payment set meal service is chosen in meal service, and pays corresponding current expense.
7. system according to claim 6, which is characterized in that
The acquiring unit is also used to: acquisition the first related information associated with the credit information of the user, and described first
Related information is used to characterize the credit rating of the user.
8. system according to claim 7, which is characterized in that
First related information that the acquiring unit is got is included at least with the next item down: the house-purchase of the user, which is refunded, to be believed
Breath, the purchase vehicle refund information of the user, the shopping refund information of the user, the income of the user prove information, described
The tax certificate information of user.
9. system according to claim 6, which is characterized in that
The payment unit is specifically used for:
If the preference information for the user that the acquiring unit is got is shown: the preference of the user is described in selection
Credit underwriting side is China Telecom, then selection and institute from the payment set meal information on services corresponding multinomial payment set meal service
The matched payment set meal service of China Telecom is stated, and pays corresponding current expense；
If the preference information for the user that the acquiring unit is got is shown: the preference of institute user is to select the letter
Be that way tiger is maintained the car with guarantee side, then from the payment set meal information on services corresponding multinomial payment set meal service selection with it is described
Way tiger is maintained the car matched payment set meal service, and pays corresponding current expense；
If the preference information for the user that the acquiring unit is got is shown: the preference of the user is described in selection
Credit underwriting side is Guangzhou Automobile Workshop's finance, then selection and institute from the payment set meal information on services corresponding multinomial payment set meal service
The matched payment set meal service of Guangzhou Automobile Workshop's finance is stated, and pays corresponding current expense.
10. system according to claim 6, which is characterized in that
The acquiring unit is also used to:
Obtain the mode of repayment information with the current matched user of expense, wherein what the acquiring unit was got
The corresponding mode of repayment of the mode of repayment information is included at least with the next item down: the mode of repayment be to bind bank card
Automatic mode of repayment, the mode of repayment that the mode of repayment is Alipay account, the refund that the mode of repayment is wechat account
Mode, the mode of repayment that the mode of repayment is wing payment.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811303607.1A CN109472881A (en) | 2018-11-02 | 2018-11-02 | A kind of the high speed passage expense method of payment and system of the credit information based on user |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811303607.1A CN109472881A (en) | 2018-11-02 | 2018-11-02 | A kind of the high speed passage expense method of payment and system of the credit information based on user |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN109472881A true CN109472881A (en) | 2019-03-15 |
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