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Electronic payment method and electronic payment system based on short-range payment substitution

An electronic payment, short-range technology, applied in the field of electronic payment methods and systems based on short-range payment, can solve the problems of low success rate, easy rejection, transaction risks, etc., and achieves high success rate, convenient use, and operation. simple effect

Inactive Publication Date: 2016-11-09
韩斌
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] However, in real life, there are still some merchants who only accept cash payment and cannot use Alipay or WeChat for payment, which is inconvenient for users, especially for users who do not carry cash
[0005] In this case, some users will choose to seek help from other customers or passers-by in the store, such as making electronic transfers to them in exchange for cash. The disadvantages of this method are: the transaction is risky, unsafe, easy to be rejected, and the success rate is low. The transfer cashing process is cumbersome

Method used

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  • Electronic payment method and electronic payment system based on short-range payment substitution
  • Electronic payment method and electronic payment system based on short-range payment substitution

Examples

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Embodiment 1

[0022] Such as figure 1 as shown, figure 1 It is a schematic flow chart of the electronic payment method based on short-distance payment provided by the present invention. Specifically, this embodiment provides an electronic payment method based on short-distance payment, and the method includes the following steps:

[0023] 101. The user terminal sends a payment request to the payment server, wherein the payment request carries the amount of goods to be paid;

[0024] 102. The proxy payment server searches for a proxy payment terminal within a preset range according to the proxy payment request, and sends the commodity amount to be paid to the proxy payment terminal when the proxy payment terminal is found;

[0025] 103. The payment agency terminal generates an amount to be paid according to the amount of the commodity to be paid and sends it to the payment server, and the payment server generates a QR code to be paid according to the amount to be paid and sends it To the ...

Embodiment 2

[0034] Such as figure 2 as shown, figure 2 It is a schematic structural diagram of the electronic payment system based on short-distance payment provided by the present invention. Specifically, this embodiment provides an electronic payment system based on short-distance payment. The system includes a user terminal, a payment server, a payment terminal, and a payment server. The user terminal is used to send a payment to the payment server. A payment request, wherein the payment request carries the amount of goods to be paid; the payment server is used to search for a payment terminal with an allowable payment identification within a preset range according to the payment request, and when the payment request is found Send the amount of the commodity to be paid to the payment terminal; the payment terminal is used to generate the amount to be paid according to the amount of the commodity to be paid and send it to the payment server, and the payment server The amount to be p...

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Abstract

The invention provides an electronic payment method and an electronic payment system based on short-range payment substitution. The electronic payment method comprises the steps of transmitting a payment substitution request by a user terminal to a payment substitution server, wherein the payment substitution request carries sum of to-be-paid commodities; searching a payment substitution terminal with an allowed payment substitution identification in a preset range by the payment substitution server, and transmitting the sum of the to-be-paid commodities to the payment substitution terminal; generating a to-be-paid sum by the payment substitution terminal and transmitting the to-be-paid sum to the payment substitution server, generating a to-be-paid two-dimensional code by the payment substitution server and transmitting the to-be-paid two-dimensional code to the user terminal, wherein the to-be-paid two-dimensional sum is composed of the sum of the to-be-paid commodities and a to-be-paid commission; scanning the to-be-paid two-dimensional code by the user terminal and transmitting the to-be-paid two-dimensional code to a payment server, and performing payment operation by the payment server; when the payment substitution server receives the payment sum, transmitting payment success information to the payment substitution terminal, and supplying cash which corresponds with the sum of the to-be-paid commodities by the payment substitution party to a user or a seller.

Description

technical field [0001] The invention relates to the technical field of electronic payment, in particular to an electronic payment method and system based on short-distance payment. Background technique [0002] Online payment is the development and innovation of electronic payment system. The transmission of traditional bank settlement payment instructions completely depends on [0003] Relying on face-to-face manual processing and entrusted delivery by postal and telecommunications departments, there are problems such as high settlement costs, long voucher delivery time, large occupation of funds in transit, and slow capital turnover. The electronic funds transfer system shortens the transfer time of payment instructions between banks and reduces the burden on funds in transit. The existing online payment method is mainly to pay merchants through Alipay or WeChat, and this payment method is more and more popular with users and merchants. It is convenient to pay and does n...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/22G06Q20/10G06Q20/32
CPCG06Q20/22G06Q20/102G06Q20/3224G06Q20/3274G06Q20/3276
Inventor 韩斌
Owner 韩斌
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