TW201800991A - Electronic payment method supporting multiple accounts - Google Patents
Electronic payment method supporting multiple accounts Download PDFInfo
- Publication number
- TW201800991A TW201800991A TW106117236A TW106117236A TW201800991A TW 201800991 A TW201800991 A TW 201800991A TW 106117236 A TW106117236 A TW 106117236A TW 106117236 A TW106117236 A TW 106117236A TW 201800991 A TW201800991 A TW 201800991A
- Authority
- TW
- Taiwan
- Prior art keywords
- payment
- account
- user
- accounts
- applicable
- Prior art date
Links
Classifications
-
- 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
- G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer
-
- 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
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Engineering & Computer Science (AREA)
- Theoretical Computer Science (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
Description
本發明涉及電子支付技術領域。 The invention relates to the technical field of electronic payment.
在電子支付已逐漸成為主流支付方式的今天，支付的安全與方便都是用戶以及商戶關注的焦點。 Today, electronic payment has gradually become the mainstream payment method. The security and convenience of payment are the focus of attention of users and merchants.
現有的支付方式，往往存在一個默認的支付帳戶。用戶消費進行支付時，從該默認支付帳戶中扣款，在該帳戶餘額不足時，會彈出相應提示框，而本次支付無法完成。這時用戶需要手動選擇或設置另一支付帳戶，來完成交易。這種不友好的方式給用戶使用帶來了不便。 Existing payment methods often have a default payment account. When the user makes a payment, the user will deduct from the default payment account. When the account balance is insufficient, a corresponding prompt box will pop up, and the payment cannot be completed. At this time, the user needs to manually select or set up another payment account to complete the transaction. This unfriendly way brings inconvenience to users.
此外，當用戶在醫療機構消費時，有很大可能需要部分消費從醫保卡賬戶支付，而其餘消費從銀行卡帳戶支付；當用戶在網上購物時，需要部分從優惠券支付，部分從銀行卡帳戶支付，等等；在各種不同的業務場景下，用戶需要分別操作各種不同的支付帳戶來完成交易，也是比較繁瑣的。 In addition, when a user spends at a medical institution, it is very likely that part of the purchase will be paid from the medical card account, and the rest of the purchase will be paid from the bank card account; when the user is shopping online, part of the payment will be paid from the coupon and part of the payment will be from the bank Card account payment, etc .; In various business scenarios, users need to operate various payment accounts to complete transactions, which is also cumbersome.
因此，本領域技術人員期望獲得一種能夠適用各種不同業務場景的、支持多帳戶的電子支付方法。 Therefore, those skilled in the art expect to obtain an electronic payment method that supports multiple accounts and can be applied to various different business scenarios.
本發明的目的在於提供一種安全可靠的電子支付方法，其適用各種不同業務場景並支持多個支付帳戶協同支付。 The object of the present invention is to provide a secure and reliable electronic payment method, which is applicable to various different business scenarios and supports multiple payment accounts for collaborative payment.
為實現上述目的，本發明提供一種技術方案如下： 一種支持多帳戶的電子支付方法，包括：設置環節，包括如下步驟：a)、後臺系統為用戶分配唯一標識並下發至用戶所持的智能手機；b)、後臺系統為用戶生成與唯一標識對應的至少一支付帳戶以及與唯一標識對應的支付規則，其中支付規則定義在各種業務場景下各支付帳戶的支付優先級和/或支付比例；以及支付環節，包括如下步驟：c)、當前用戶通過所持智能手機與業務受理終端進行數據交互以進行支付，業務受理終端將本次支付的業務數據上報至後臺系統；d)、後臺系統基於業務數據確定本次支付的業務場景，並基於與當前用戶的唯一標識對應的支付規則確定一適用帳戶列表，其中適用帳戶列表包括與當前用戶的唯一標識對應的、適用於本次支付的業務場景的、按支付優先級排列的各支付帳戶的信息；e)、後臺系統從適用帳戶列表中選擇至少一支付帳戶來完成支付。 To achieve the above objective, the present invention provides a technical solution as follows: An electronic payment method supporting multiple accounts includes the following steps: a) the back-end system assigns a unique identifier to the user and sends it to the smartphone held by the user; b) the back-end system generates a corresponding unique identifier for the user At least one payment account and a payment rule corresponding to a unique identifier, wherein the payment rule defines the payment priority and / or payment proportion of each payment account in various business scenarios; and the payment link, including the following steps: c), the current user passes The held smartphone performs data interaction with the service acceptance terminal for payment, and the service acceptance terminal reports the business data of the payment to the background system; d) The background system determines the business scenario of the payment based on the business data, and The payment rule corresponding to the user ’s unique identifier determines an applicable account list, where the applicable account list includes information corresponding to the current user ’s unique identifier, which is applicable to the business scenario of the payment, and is arranged by payment priority; e) The background system selects at least one from the list of applicable accounts Pay account to complete the payment.
優選地，唯一標識為虛擬令牌，虛擬令牌由後臺系統對用戶的卡號信息或身份信息採用分散因子進行 分散而生成。 Preferably, the unique identification is a virtual token, and the virtual token is carried out by the background system on the user's card number information or identity information using a dispersion factor. Generated by dispersion.
優選地，業務場景由後臺系統定義。 Preferably, the business scenario is defined by a background system.
優選地，與用戶的唯一標識對應的支付規則由後臺系統基於業務場景以及與該唯一標識對應的至少一支付帳戶來自動生成。 Preferably, the payment rule corresponding to the unique identification of the user is automatically generated by the background system based on the business scenario and at least one payment account corresponding to the unique identification.
優選地，後臺系統基於雲計算平臺來部署。 Preferably, the background system is deployed based on a cloud computing platform.
本發明各實施例提供的支持多帳戶的電子支付方法，在實現安全可靠地支付的同時，還使得用戶能夠在不同業務場景下方便地使用多個支付帳戶來協同支付；尤其是，其不需要用戶針對各種業務場景逐個地、手動設置支付規則，而可以由後臺系統自動生成各種業務場景下的支付規則，這顯著提升了用戶體驗。 The electronic payment method supporting multiple accounts provided by the embodiments of the present invention, while realizing secure and reliable payment, also enables users to conveniently use multiple payment accounts for collaborative payment in different business scenarios; in particular, it does not require Users set payment rules manually and individually for various business scenarios, and the background system can automatically generate payment rules in various business scenarios, which significantly improves the user experience.
圖1示出本發明一實施例提供的支持多帳戶的電子支付方法的流程圖。 FIG. 1 shows a flowchart of an electronic payment method supporting multiple accounts according to an embodiment of the present invention.
如圖1所示，本發明一實施例提供一種支持多帳戶的電子支付方法，該方法包括設置環節和支付環節。其中，在設置環節，多個用戶可以分別與後臺系統進行交互，設置各用戶的支付帳戶以及定制個人的支付規則；在支付環節，當前用戶進行消費，通過智能手機與業務受理終端的交互以及業務受理終端與後臺系統的數據交 互完成具體支付。 As shown in FIG. 1, an embodiment of the present invention provides an electronic payment method supporting multiple accounts. The method includes a setting link and a payment link. Among them, in the setting stage, multiple users can interact with the back-end system, set up payment accounts for each user, and customize individual payment rules; in the payment stage, the current user consumes and interacts with the service acceptance terminal and business through the smartphone Accept data transfer between terminal and back-end system Make specific payments to each other.
設置環節包括如下步驟：步驟S10、後臺系統為用戶分配唯一標識並下發至用戶所持的智能手機。 The setting step includes the following steps: Step S10. The background system assigns a unique identifier to the user and sends it to the smartphone held by the user.
通過為諸多用戶分別分配唯一標識，後臺系統能夠識別多個用戶，並與他們分別進行交互。後臺系統將所分配的唯一標識下發到每一用戶所持的智能手機上存儲。 By assigning unique identifiers to many users, the back-end system can identify multiple users and interact with them separately. The background system sends the assigned unique identifier to the smart phone held by each user for storage.
其中，智能手機可以採用主機卡模擬技術(HCE技術)來設置一虛擬卡，用來儲存該唯一標識。 The smart phone may use a host card emulation technology (HCE technology) to set a virtual card for storing the unique identification.
進一步地，智能手機的唯一標識為一種虛擬令牌。具體地，在用戶通過所持智能手機與後臺系統進行初始化的數據交互後，後臺系統對用戶的卡號信息或身份信息以分散因子進行分散，以生成相應的虛擬令牌。分散因子可以採用當前日期信息、時間信息等。優選情況下，後臺系統還可以對各唯一標識進行定期更新，以保護唯一標識的安全性。 Further, the unique identification of the smart phone is a virtual token. Specifically, after the user initiates data interaction with the background system through the smart phone held by the user, the background system scatters the user's card number information or identity information with a dispersion factor to generate a corresponding virtual token. The dispersion factor can adopt current date information, time information, and the like. Preferably, the background system may also periodically update each unique identifier to protect the security of the unique identifier.
步驟S11、後臺系統為用戶生成與其唯一標識對應的至少一支付帳戶以及與唯一標識對應的支付規則。 Step S11: The back-end system generates at least one payment account corresponding to the unique identification and a payment rule corresponding to the unique identification for the user.
其中，支付規則定義在各種業務場景下各支付帳戶的支付優先級和/或支付比例，而業務場景通常由後臺系統來定義。 Among them, the payment rule defines the payment priority and / or payment ratio of each payment account in various business scenarios, and the business scenario is usually defined by the back-end system.
通過該步驟S11，一方面，各個用戶可以分別定制自己喜好的支付規則。 Through this step S11, on the one hand, each user can individually customize his / her favorite payment rules.
另一方面，根據本發明的一個具體實施例，業務場景包括多種，例如：醫療支付場景、藥店支付場景、商場超市購物場景以及網絡購物場景。 On the other hand, according to a specific embodiment of the present invention, there are multiple business scenarios, such as a medical payment scenario, a pharmacy payment scenario, a mall supermarket shopping scenario, and an online shopping scenario.
可以理解，同一用戶在不同的支付場景中，可能使用不同的支付方案，來使其獲得最高優惠。 It can be understood that the same user may use different payment schemes in different payment scenarios to obtain the highest discount.
例如，在醫療支付場景中，用戶需要從醫保帳戶中支付部分金額，再從個人其他帳戶(銀行帳戶)中支付剩餘金額。在商場超市購物場景中，用戶優先使用優惠券進行支付，隨後再以個人其他帳戶補充支付剩餘金額。在網絡購物場景中，用戶可能需要先查詢何種支付方式能夠為自己帶來最高程度的優惠，進而選擇這種支付方式進行支付。可能的支付方式還包括以虛擬帳戶(例如其中存儲有虛擬貨幣)支付第一筆金額、從第一銀行卡中支付第二筆金額、再從第二銀行卡中支付剩餘的金額，等等。 For example, in the medical payment scenario, the user needs to pay part of the amount from the medical insurance account, and then pay the remaining amount from other personal accounts (bank accounts). In shopping malls and supermarkets, users preferentially use coupons to make payments, and then supplement the remaining balance with other personal accounts. In the online shopping scenario, users may need to first query which payment method can bring them the highest level of discount, and then choose this payment method to pay. Possible payment methods include paying a first amount with a virtual account (eg, virtual currency stored therein), paying a second amount from a first bank card, and then paying the remaining amount from a second bank card, and so on.
可以理解，後臺系統的上述生成行為是在與用戶進行交互的情況下實現的，在用戶進入到支付環節前，用戶先以智能手機與後臺系統進行交互，輸入該用戶可能使用的支付帳戶信息以完成支付帳戶的綁定、進一步可以根據後臺系統的提示信息或配置頁面來選擇和/或設置其想要的支付規則。後臺系統將用戶輸入的支付帳戶信息以及設置完成的支付規則存儲在後臺系統的服務器、數據庫或存儲單元中。 It can be understood that the above-mentioned generation behavior of the back-end system is realized under the condition of interacting with the user. Before the user enters the payment link, the user first interacts with the back-end system by using a smartphone and enters the payment account information that the user may use Complete the binding of the payment account, and further select and / or set the desired payment rule according to the prompt information or configuration page of the background system. The background system stores the payment account information entered by the user and the completed payment rules in the server, database or storage unit of the background system.
具體地，支付規則通常包括在各種支付場景 下、各支付帳戶的支付優先級、支付比例。 Specifically, payment rules are often included in various payment scenarios The payment priority and payment proportion of each payment account.
進一步地，支付規則還可以定義各支付帳戶針對各種不同支付項目的支付優先級和/或支付比例。支付項目例如包括化驗費、自費藥、可報銷藥等各種不同的分類。 Further, the payment rule can also define the payment priority and / or the payment proportion of each payment account for various different payment items. Payment items include, for example, laboratory fees, self-financed drugs, reimbursable drugs, and other categories.
例如，在醫療支付場景中，將醫保卡帳戶設置為進行支付的最優選帳戶，即，醫保卡帳戶具備第一(最高)支付優先級。在網絡購物場景中，設置虛擬帳戶具備第一(最高)支付優先級，設置建設銀行***為第二(次高)支付優先級，設置浦發銀行借記卡為第三(最低)支付優先級。又例如，可設置第一帳戶的支付比例為當前消費額的70%，第二帳戶的支付比例為當前消費額的30%。又例如，醫保卡帳戶對化驗費具備最高支付優先級、支付比例為100%，對自費藥具備最低的支付優先級(為0)，***帳戶對自費藥具備最高優先級、支付比例對應於該***帳戶的最高可用額度，等等。 For example, in a medical payment scenario, a medical insurance card account is set as the most preferred account for payment, that is, the medical insurance card account has the first (highest) payment priority. In the online shopping scenario, the virtual account is set to have the first (highest) payment priority, the construction bank credit card is set to the second (second highest) payment priority, and the SPD bank debit card is set to the third (lowest) payment priority. For another example, the payment ratio of the first account may be set to 70% of the current consumption amount, and the payment ratio of the second account may be set to 30% of the current consumption amount. For another example, a medical insurance card account has the highest payment priority for laboratory fees and a payment ratio of 100%, and has the lowest payment priority (0) for self-financed drugs. A credit card account has the highest priority for self-financed drugs, and the payment ratio corresponds to this. The maximum available credit card account, etc.
在進行實際交易支付時，繼續參考圖1，支付環節包括如下步驟：步驟S20、當前用戶通過所持智能手機與業務受理終端進行數據交互以進行支付，業務受理終端將本次支付的業務數據上報至後臺系統。 When making actual transaction payment, continue to refer to FIG. 1. The payment link includes the following steps: Step S20. The current user performs data interaction with the service acceptance terminal through the smartphone held by the user to make a payment. The service acceptance terminal reports the business data of the payment. To the background system.
具體地，當前用戶持智能手機與業務受理終端進行實際交易支付，業務受理終端獲取智能手機上存儲的、用戶的唯一標識。例如，實際交易支付可能經由智能 手機與POS機之間的交互來發起，POS機獲取用戶的唯一標識後，隨後將該唯一標識連同本次支付的其他業務數據上報至後臺系統。 Specifically, the current user holds a smart phone for actual transaction payment with the service acceptance terminal, and the service acceptance terminal obtains the user's unique identification stored on the smartphone. For example, actual transaction payments may be via smart The interaction between the mobile phone and the POS machine is initiated. After the POS machine obtains the unique identification of the user, it then reports the unique identification together with other business data of the payment to the background system.
優選情況下，智能手機可以採用NFC技術(例如，包括NFC通信單元)來與諸如POS機的業務受理終端進行數據交互。 Preferably, the smart phone may use NFC technology (for example, including an NFC communication unit) to perform data interaction with a service acceptance terminal such as a POS machine.
本次支付的業務數據包括，但不限於，當前用戶的唯一標識(或虛擬令牌)、商戶標識(用來區分例如醫療商戶、藥品商戶等)、交易時間、地點、支付項目(例如，化驗費、自費藥、可報銷藥等)以及消費額。 The business data of this payment includes, but is not limited to, the unique identification (or virtual token) of the current user, the merchant identification (used to distinguish, for example, medical merchants, drug merchants, etc.), transaction time, place, and payment items (e.g., laboratory tests Fees, self-pay medicines, reimbursable medicines, etc.) and consumption.
步驟S21、後臺系統基於業務數據確定本次支付的業務場景，並基於與當前用戶的唯一標識對應的支付規則確定一適用帳戶列表。 Step S21: The background system determines a service scenario of the current payment based on the service data, and determines an applicable account list based on a payment rule corresponding to the unique identifier of the current user.
其中，適用帳戶列表包括與當前用戶的唯一標識對應的、適用於本次支付的業務場景的、按支付優先級排列的各支付帳戶的信息。 The applicable account list includes information corresponding to the payment user ’s unique identification, which is applicable to the business scenario of the payment, and is arranged by payment priority.
具體地，後臺系統從業務受理終端獲得本次支付的業務數據，基於本次支付的業務數據，後臺系統能夠確定對應於本次支付的業務場景，例如，是醫療支付場景，還是商場超市購物場景，或其他更具體的場景。 Specifically, the background system obtains the service data of the payment from the service acceptance terminal. Based on the service data of the payment, the background system can determine the business scenario corresponding to the payment, for example, a medical payment scenario or a mall supermarket shopping scenario. , Or other more specific scenarios.
如上所述，後臺系統基於業務數據中包含的當前用戶的唯一標識(或虛擬令牌)，能夠確定當前用戶的至少一支付帳戶信息以及身份信息，進而，後臺系統能夠明確當前用戶設置的支付規則，從支付規則能夠確定當 前用戶的各支付帳戶在各種業務場景下的支付優先級和/或支付比例。在將唯一標識與支付帳戶信息、支付規則進行匹配之後，後臺系統能夠確定適用帳戶列表，該列表記錄在當前支付場景下可以用來支付的、當前用戶的各支付帳戶信息。適用帳戶列表通常可以按各支付帳戶的支付優先級來降序排列。 As described above, the background system can determine at least one payment account information and identity information of the current user based on the unique identification (or virtual token) of the current user included in the business data. Furthermore, the background system can clarify the payment rules set by the current user From the payment rules can determine when The payment priority and / or payment ratio of each payment account of the former user in various business scenarios. After matching the unique identification with the payment account information and payment rules, the background system can determine the applicable account list, which records the current payment account information of the current user that can be used for payment in the current payment scenario. The applicable account list can usually be sorted in descending order by payment priority of each payment account.
步驟S22、後臺系統從適用帳戶列表中選擇至少一支付帳戶來完成支付。 Step S22: The background system selects at least one payment account from the applicable account list to complete the payment.
具體地，首先，後臺系統基於支付規則，自動計算適用帳戶列表中各支付帳戶各自所需支付的金額；接下來，後臺系統使用適用帳戶列表中各支付帳戶分別支付相應的所計算金額。 Specifically, first, the background system automatically calculates the respective amounts to be paid by each payment account in the applicable account list based on the payment rules; next, the background system uses the respective payment accounts in the applicable account list to pay the corresponding calculated amounts.
例如，上一步驟中所確定的適用帳戶列表包括支付優先級最高的第一帳戶、支付優先級次高的第二帳戶以及支付優先級最低的第三帳戶。後臺系統基於支付規則來自動地計算以確定：第一帳戶需要支付第一筆金額，第二帳戶需要支付第二筆金額，第三帳戶需要支付第三筆金額。 For example, the applicable account list determined in the previous step includes the first account with the highest payment priority, the second account with the second highest payment priority, and the third account with the lowest payment priority. The background system automatically calculates and determines based on the payment rules: the first account needs to pay the first amount, the second account needs to pay the second amount, and the third account needs to pay the third amount.
進而，後臺系統可以選擇第一帳戶來實際支付第一筆金額，再選擇第二帳戶來實際支付第二筆金額，以及選擇第三帳戶來實際支付第三筆金額。第一、第二、第三筆金額的總和構成本次交易總的支付金額。 Further, the background system may select the first account to actually pay the first amount, then select the second account to actually pay the second amount, and select the third account to actually pay the third amount. The sum of the first, second, and third amounts constitutes the total payment amount for this transaction.
上述支付過程是在後臺系統與當前用戶、業務受理終端之間的數據交互過程中實現。 The above payment process is implemented in the process of data interaction between the background system and the current user and the service acceptance terminal.
當某一特定支付帳戶需要用戶輸入交易密碼才能進行支付時，後臺系統可以對當前用戶的唯一標識進行更新，或向其下發新的虛擬令牌，在更新或下發完成之後，再繼續完成使用該特定支付帳戶的支付。 When a specific payment account requires the user to enter a transaction password to make a payment, the back-end system can update the unique ID of the current user or issue a new virtual token to it, and continue to complete after the update or release is completed Payment using that particular payment account.
優選情況下，後臺系統基於雲計算平臺來部署。 Preferably, the background system is deployed based on a cloud computing platform.
可以理解，雖然上述實施例提供的電子支付方法例示為包括設置環節和支付環節，但是根據本發明的思想，如下的電子支付方法也是明顯可以預見的：A、在最初完成一次設置環節後，用戶後續的每次交易均不再需要進入設置環節，而直接進行支付環節即可；B、在支付的任何步驟或階段，用戶都可以暫停實際支付，而調用設置環節來重新設置其喜好的支付帳戶以及支付規則，在設置完成後，再繼續完成實際支付。 It can be understood that although the electronic payment method provided in the foregoing embodiment is exemplified as including a setting link and a payment link, according to the idea of the present invention, the following electronic payment method is also obviously foreseeable: A. After the user completes the initial setting step, the user For each subsequent transaction, it is no longer necessary to enter the setting link, and the payment link can be directly performed; B. At any step or stage of payment, the user can suspend the actual payment and call the setting link to re-set his favorite payment account And payment rules, after the setting is completed, the actual payment can be continued.
上述各實施例的電子支付方法，在實現安全可靠地支付的同時，還使得用戶能夠在不同業務場景下方便地使用多個支付帳戶來協同支付。 The electronic payment methods of the above embodiments, while enabling secure and reliable payments, also enable users to conveniently use multiple payment accounts for collaborative payments in different business scenarios.
根據本發明另一實施例，支付規則不需要用戶針對各種支付場景來逐一設置，而直接由後臺系統根據某種統計算法、評價算法或神經網絡來設定。 According to another embodiment of the present invention, the payment rules do not require the user to set one by one for various payment scenarios, but are directly set by the background system according to some statistical algorithm, evaluation algorithm, or neural network.
在這種實施例中，後臺系統統計各種支付場景(支付場景仍由後臺系統來定義)下，前期註冊(獲得唯一標識)的若干用戶通常選擇的支付方案(不同於支付 規則)，並根據統計數據來進行數據分析、經評價算法或神經網絡來生成默認支付方案，其可以視為大多數用戶的優選支付方案。其中，支付方案不包括特定用戶的支付帳戶信息，而僅粗略將支付帳戶劃分為虛擬帳戶、***帳戶、借記卡帳戶等，支付方案還應包括虛擬帳戶、***帳戶、借記卡帳戶分別對應的支付優先級或支付比例。 In this embodiment, under a background system that counts various payment scenarios (the payment scenario is still defined by the background system), several users who have previously registered (obtained a unique identification) usually choose a payment scheme (different from payment Rules), and perform a data analysis, an evaluation algorithm, or a neural network to generate a default payment scheme based on statistical data, which can be regarded as the preferred payment scheme for most users. Among them, the payment plan does not include payment account information for specific users, but only roughly divides the payment account into virtual accounts, credit card accounts, debit card accounts, etc. The payment plan should also include virtual accounts, credit card accounts, and debit card accounts respectively. Payment priority or payment percentage.
後臺系統隨後能夠結合後期註冊(獲得唯一標識)用戶所設定的支付帳戶信息，來生成對應於該用戶的支付規則，進而向該用戶推薦、或者直接適用。 The back-end system can then combine the payment account information set by the later registered (obtaining a unique identification) user to generate a payment rule corresponding to the user, and then recommend it to the user, or apply it directly.
可以理解，即使後臺系統自動生成默認支付規則，每一特定用戶也可以通過與後臺系統的交互來隨時更改或定制適用於該用戶的默認支付規則。此外，後臺系統也可以根據一個新時期內的統計數據，來更新或優化默認支付規則。 It can be understood that even if the background system automatically generates a default payment rule, each specific user can change or customize the default payment rule applicable to the user at any time through interaction with the background system. In addition, the back-end system can also update or optimize the default payment rules based on statistical data in a new period.
這種改進方案，不需要用戶針對各種業務場景逐個地、手動設置其喜好的支付規則，能夠為用戶帶來更多的便利，從而獲得良好的用戶體驗。 This improved solution does not require users to manually set their favorite payment rules one by one for various business scenarios, which can bring more convenience to users and thus obtain a good user experience.
上述說明僅針對于本發明的優選實施例，並不在於限制本發明的保護範圍。本領域技術人員可作出各種變形設計，而不脫離本發明的思想及附隨的申請專利範圍。 The above description is only directed to the preferred embodiments of the present invention, and is not intended to limit the protection scope of the present invention. Those skilled in the art can make various modified designs without departing from the idea of the present invention and the scope of accompanying patent applications.
Claims (8)
Applications Claiming Priority (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610440539.8A CN106022759A (en) | 2016-06-20 | 2016-06-20 | Electronic payment method supporting multiple accounts |
| ??201610440539.8 | 2016-06-20 |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| TW201800991A true TW201800991A (en) | 2018-01-01 |
Family
ID=57088891
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| TW106117236A TW201800991A (en) | 2016-06-20 | 2017-05-24 | Electronic payment method supporting multiple accounts |
Country Status (3)
| Country | Link |
|---|---|
| CN (1) | CN106022759A (en) |
| TW (1) | TW201800991A (en) |
| WO (1) | WO2017219774A1 (en) |
Families Citing this family (16)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106022759A (en) * | 2016-06-20 | 2016-10-12 | ***股份有限公司 | Electronic payment method supporting multiple accounts |
| CN106651370A (en) * | 2016-10-19 | 2017-05-10 | 广州三星通信技术研究有限公司 | Operation executing method and device of application |
| CN106600267A (en) * | 2016-12-16 | 2017-04-26 | 广东华大互联网股份有限公司 | NFC-based medical care payment system and method |
| CN108429632B (en) * | 2017-02-15 | 2021-04-27 | 创新先进技术有限公司 | Service monitoring method and device |
| CN109426951A (en) * | 2017-08-31 | 2019-03-05 | 广州涌智信息科技有限公司 | A kind of online payment method and device |
| CN110009327A (en) * | 2018-01-05 | 2019-07-12 | 华为终端有限公司 | A kind of method and terminal of electronic transaction |
| CN108596612A (en) * | 2018-03-16 | 2018-09-28 | 北京仁聚汇通信息科技有限责任公司 | A kind of payment transaction management engine, method and system |
| CN109064156A (en) * | 2018-06-29 | 2018-12-21 | 拉卡拉汇积天下技术服务（北京）有限公司 | Method of payment, device, electronic equipment and storage medium |
| CN109670812A (en) * | 2018-09-11 | 2019-04-23 | 深圳平安财富宝投资咨询有限公司 | Method of payment, device, terminal and storage medium |
| CN109493026B (en) * | 2018-11-12 | 2024-06-28 | 平安科技（深圳）有限公司 | Payment processing method, device, computer equipment and storage medium |
| CN109978523A (en) * | 2019-04-08 | 2019-07-05 | 温化棋 | A kind of payment system and method for more finance account fusions |
| CN110111107B (en) * | 2019-05-07 | 2021-10-26 | 苏州达家迎信息技术有限公司 | Payment method, device, equipment and storage medium |
| CN113643025B (en) * | 2019-11-22 | 2024-02-02 | 支付宝（中国）网络技术有限公司 | Payment method, device and system |
| CN111583030B (en) * | 2020-05-12 | 2024-03-19 | 新分享科技服务(深圳)有限公司 | Payment routing method and device |
| CN112396414A (en) * | 2020-11-17 | 2021-02-23 | 温化棋 | Payment system and method with multiple financial accounts fused |
| CN113988874A (en) * | 2021-11-25 | 2022-01-28 | 中国银行股份有限公司 | Bank multi-type fund using method and device |
Family Cites Families (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US8930270B2 (en) * | 2002-07-30 | 2015-01-06 | Aol Inc. | Smart payment instrument selection |
| KR100861390B1 (en) * | 2007-09-07 | 2008-10-01 | 박수민 | Artificial intelligence settlement system for optimum card recommendation service and payment apparatus and combination card payment terminal for the same |
| US20110320345A1 (en) * | 2010-06-29 | 2011-12-29 | Ebay, Inc. | Smart wallet |
| CN102034184A (en) * | 2010-11-29 | 2011-04-27 | 深圳市爱贝信息技术有限公司 | Method and device for configuring payment platform account as well as payment method and payment device |
| CN103413389B (en) * | 2013-05-16 | 2015-09-30 | 深圳市淘淘谷信息技术有限公司 | Based on bank account to non-banking account management and method of payment |
| CN106056382B (en) * | 2016-06-20 | 2021-01-15 | ***股份有限公司 | Mobile terminal payment method |
| CN106022759A (en) * | 2016-06-20 | 2016-10-12 | ***股份有限公司 | Electronic payment method supporting multiple accounts |
| CN106022778A (en) * | 2016-07-11 | 2016-10-12 | ***股份有限公司 | Collaborative payment system and account binding device that support different types of accounts |
-
2016
- 2016-06-20 CN CN201610440539.8A patent/CN106022759A/en active Pending
-
2017
- 2017-05-10 WO PCT/CN2017/083711 patent/WO2017219774A1/en active Application Filing
- 2017-05-24 TW TW106117236A patent/TW201800991A/en unknown
Also Published As
| Publication number | Publication date |
|---|---|
| WO2017219774A1 (en) | 2017-12-28 |
| CN106022759A (en) | 2016-10-12 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| TW201800991A (en) | Electronic payment method supporting multiple accounts | |
| AU2019200882B2 (en) | System and method of registering stored-value cards into electronic wallets | |
| US11887077B2 (en) | Generating exchange item utilization solutions in an exchange item marketplace network | |
| US11694244B2 (en) | Method for consumption based redemption in an exchange item marketplace network | |
| JP2023016836A (en) | System for payment via electronic wallet | |
| US10002353B2 (en) | Methods and systems for conducting transactions | |
| CN109313762B (en) | System, method and apparatus for secure generation and processing of data sets characterizing pre-stored funds payments | |
| CN109416791A (en) | Digital asset account management | |
| CN108431847A (en) | Determine digital wallet Client-initiated be currently based on wallet transaction whether be fraudulent method | |
| CN108701298A (en) | Receive publisher's voucher when checkout | |
| EP4138016A1 (en) | Systems and methods for facilitating secure electronic transactions | |
| JP7497833B2 (en) | Methods and systems for charging and depositing legal tender value, electronic money, and other values such as points | |
| US20230306395A1 (en) | Automatic invoice notification | |
| JP6708802B1 (en) | Electronic money intermediation system and electronic money intermediation method | |
| US20150286998A1 (en) | Methods and Systems for Facilitating Transactions | |
| US20200394633A1 (en) | A transaction processing system and method | |
| US10269008B2 (en) | Methods and systems for providing payment cards |