Mobile terminal payment method adaptation method and system thereof

A payment method and mobile terminal technology, applied in the payment system structure, payment scheme/model, payment involving neutral parties, etc., can solve problems such as data synchronization, user loss, instability, etc., to reduce the probability of payment failure and avoid Lost users, the effect of achieving diversity

Active Publication Date: 2021-05-25
FUJIAN TIANQUAN EDUCATION TECH LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] (1) Different mobile applications need to be released for users in different regions, and the data cannot be synchronized. With the expansion of regional services, the development and maintenance costs of mobile applications will increase exponentially;
[0006] (2) Users who cannot cope with different habits, for example, some users are accustomed to paying by credit card but do not know how to use WeChat or Alipay;
[0007] (3) Unable to cope with the instability of the third-party payment platform
When the third-party payment platform has a large delay or service maintenance, it can only passively wait for the third-party payment platform to resume service, which may easily cause user loss and losses during the period

Method used

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  • Mobile terminal payment method adaptation method and system thereof
  • Mobile terminal payment method adaptation method and system thereof
  • Mobile terminal payment method adaptation method and system thereof

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0075] Please refer to figure 2 and image 3 As shown, this embodiment provides a mobile terminal payment method adaptation method, including:

[0076] Mobile terminal: Embed the mobile terminal payment adaptation SDK in the mobile terminal application 1, and connect Alipay, WeChat, Adyen and other third-party payment platform mobile terminal SDKs through the payment adaptation SDK, so that the mobile terminal can filter and display payment methods according to the configuration.

[0077] Server: Provide payment method configuration service 2 on the server side, and the mobile terminal can obtain the corresponding configuration of the payment method to be displayed from the payment method configuration service. Specifically, the server also provides user payment behavior statistics service 3 and user area statistics service 4, which are respectively connected to payment method configuration service 2; payment method configuration service will interact with user region statis...

Embodiment corresponding Embodiment 1

[0117] This embodiment corresponds to Embodiment 1, and provides a specific application scenario:

[0118] A mobile application is released for the first time:

[0119] Step 1: Operators configure payment methods supported by mobile applications: Alipay (Mainland), WeChat (Mainland), Alipay (Hong Kong), Adyen;

[0120] Step 2: The operator configures the default payment method priority value as:

[0121] Alipay (Mainland): 0; WeChat (Mainland): 0.1; Alipay (Hong Kong): 0.2; Adyen: 1;

[0122] Step 3: When the user first uses the mobile app to enter the product purchase interface in Hong Kong, the order of the payment methods viewed is: Alipay (Mainland), WeChat (Mainland), Alipay (Hong Kong), Adyen;

[0123] At this time, the mobile application will report the region where the user is located, and evaluate the region level through the server. The level of Hong Kong is 0; the server will combine the user's historical payment behavior statistics (this is the first use, so ther...

Embodiment 3

[0128] see image 3 , this embodiment corresponds to Embodiment 1, and provides a mobile terminal payment method adaptation system, including:

[0129] Server, including user payment behavior statistics service, payment method configuration service and user area statistics service;

[0130] The mobile terminal application is embedded with a mobile terminal payment adaptation SDK, which is used to obtain the payment method corresponding to the returned response. The mobile terminal application is used to send the current area corresponding to a user account to the user area statistical service, and send a request for obtaining the payment method to the payment method configuration service;

[0131] The user payment behavior statistical service is used to configure the historical payment behavior statistical data corresponding to each user account, and the historical payment behavior statistical data records the priority level of each payment method based on the number of times...

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Abstract

The present invention provides a mobile terminal payment method adaptation method, the method includes: the server is configured with historical payment behavior statistical data corresponding to each user account, and the historical payment behavior statistical data records the priority level of each payment method based on the number of times of use; A mobile terminal application of a user account sends a request for obtaining the current location and a payment method to the server; the server obtains the current location according to the historical payment behavior statistics data corresponding to the user account and the current location Among the supported payment methods, the payment method with the highest priority is used as the return response of the request. The present invention can fully consider the diversity of user habits, the uncertainty of the user's location and the stability of the third-party payment platform, accurately obtain the most convenient payment method that meets the user's wishes and provide it to the user.

Description

technical field [0001] The invention relates to the field of mobile payment, in particular to a mobile terminal payment method adaptation method and a system thereof. Background technique [0002] The so-called third-party payment platform refers to the transaction support platform provided by some third-party independent institutions that have signed contracts with the country where the product is located and major banks at home and abroad, and have certain strength and reputation guarantee. Large-scale third-party payment platforms include Alipay, WeChat, JD.com, Paypal, Adyen, and Apple’s in-app purchases. Since the governments of various countries have stricter control over payment licenses, the vast majority of mobile application developers do not have their own payment licenses, so they use third-party payment platforms. With the rapid growth of mobile payment users, mobile payment has great room for development and becomes more popular, and mobile application access ...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G06Q20/02G06Q20/08G06Q20/22
CPCG06Q20/023G06Q20/0855G06Q20/22
Inventor 刘德建施文龙黄琴魏秋月郑晨惠郭玉湖
Owner FUJIAN TIANQUAN EDUCATION TECH LTD
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