CN113129009A

CN113129009A - System and method for transfer payment by using intelligent equipment and authorization equipment

Info

Publication number: CN113129009A
Application number: CN201911426541.XA
Authority: CN
Inventors: 桂林
Original assignee: Individual
Current assignee: Individual
Priority date: 2019-12-31
Filing date: 2019-12-31
Publication date: 2021-07-16

Abstract

The embodiment of the invention provides a system and a payment method for transferring payment by using intelligent equipment and authorization equipment, which not only can consider consumption and payment of certain crowds, but also can monitor the consumption and payment of the crowds. The system comprises an intelligent device, an authorization device and a merchant cash register device. The authorization device is used for setting the identity information of the payer and the payment condition information, respectively receiving the related information from the intelligent device and the merchant cash register, in the payment process, due to the intervention of the authorization device, the intelligent device or the merchant cash register needs to provide the related information to assist in verifying a series of payment conditions, and the final payment can be carried out by the authorization device after the verification is passed. The system and the method can be applied to payment processes of special requirements such as reimbursement and purchasing.

Description

System and method for transfer payment by using intelligent equipment and authorization equipment

Technical Field

The invention relates to the field of electronic payment and intelligent device application, in particular to a system and a method for transfer payment by using intelligent devices and authorization devices.

Background

In the current society, the electronization of currency is an important trend, which not only saves social resources, but also facilitates people to use electronic currency to complete payment. Through the popularization of application software such as payment treasures, WeChat and the like, electronic payment is widely used, and great convenience is provided for the life of people. However, various security problems still plague people, and the use of an intelligent terminal or an intelligent device to complete authorized transfer payment is a payment operation with wide social demands. For example, reimbursement systems, which are essentially a type of payment transfer to a payer and monitoring the payer's consumption and payment activities, can only now do so by: firstly, a user needs to complete payment firstly and then complete reimbursement operation through verification of various bills, which not only wastes time and labor, but also cannot ensure the accuracy of information verification. For another example, parents authorize children to consume, can only transfer money to a child account first, and are willing to be consumed by the children, and cannot monitor consumption behaviors. As another example, people who are restricted from consuming, it is difficult to monitor their consumption and payment activities using existing methods.

Therefore, a system and a payment method for transferring payment by using an intelligent device need to be researched to ensure that the payment process is completed and certain monitoring and limiting are performed on a payer.

Reference documents:

1. the applicant: beijing rui macro technology, Inc., patent name: the cloud platform based electronic invoice posting and reimbursing system and method are as follows: 201510561310.5.

2. the applicant: shenzhen yunle science and technology limited, patent name: the utility model provides an intelligent bracelet that has fingerprint identification function based on block chain technique, application number: 201811036394.0.

the invention content is as follows:

in view of the needs in the background art, an object of the present invention is to provide a system and a payment method for transferring payment by using an intelligent device and an authorization device, which can not only consider consumption and payment of some people, but also monitor the consumption and payment.

The invention provides a system for transferring payment by using intelligent equipment and authorization equipment, which comprises:

the intelligent device (10) is used for on-site electronic payment with the merchant cash register (30) and has the functions of payer identity identification and payment condition verification;

the authorization device (20) is used for setting the identity information of the payer and the payment condition information, respectively receiving the related information from the intelligent device (10) and the merchant cash collecting device (30), finally completing the confirmation operation, and electronically paying the payment to the merchant cash collecting device (30);

the merchant money receiving device (30) has a function of receiving electronic money.

Further, the system of the present invention may further include a bank money information server (40), and the bank money information server (40) may not only store payment information and money information of each party, but also monitor the whole payment process.

Further, the specific form of the smart device (10) and the authorization device (20) is a smart phone, a smart bracelet, or other wearable devices with electronic payment function, or other special electronic payment devices.

Further, the payment condition may be a time limit condition, i.e., t₂-t₁T is less than or equal to T, wherein T₂Time of payment, t, between the smart device (10) and the merchant cash register (30)₁Is the time at which the smart device (10) is authorized by the authorizing device (20).

Further, the payment condition may be an amount limit condition that the accumulated payment amount is less than or equal to the authorized amount, or a number of payments limit condition that the number of payments is less than or equal to the authorized number of payments.

Further, the merchant cash register (30) may be configured to: acquiring article type information from an external device or an electronic tag of an article through the Internet of things; at this time, the payment condition may be a restriction condition of the kind of the purchase item.

Further, the merchant payment receiving apparatus (30) may have functions of payer identification and payment condition verification.

Further, the identification of the payer can be realized by a biological identification method such as fingerprint identification, voice identification and iris identification.

Further, under the condition that the payer is trusted, the system completes transfer payment according to the following method: a) the intelligent device (10) verifies the identity identification information of the payer, if the identity identification information does not pass through, the follow-up operation is stopped,

if yes, sending a payment request to the merchant payment device (30) and sending a link establishment request to the authorization device (20);

b) the merchant cash register (30) responds to a payment request sent by the intelligent device (10), sends the ID information containing the merchant ID information to the intelligent device (10), inquires whether the merchant cash register has the function of acquiring the article type information from the external device or the electronic tag of the article through the Internet of things, and if the merchant cash register has the function, jumps to c), and if the merchant cash register does not have the function, jumps to d);

c) the authorization device (20) receives the item type information sent by the merchant cash register device (30) and verifies the limitation condition of the purchased item type;

d) the authorization device (20) receives the time information of the intelligent device (10) and verifies the time limit condition;

e) the authorization device (20) receives consumption amount information of the intelligent device (10), and verifies the amount limit condition or the payment time limit condition;

f) when one or more of the conditions c) -e) are satisfied, an electronic payment by the authorizing device (20) to the merchant checkout device (30) is completed.

Further, under the condition that the merchant receives trust, the system completes transfer payment according to the following method:

a) the intelligent device (10) sends a payment request to the merchant cash collecting device (30) and simultaneously sends a link establishing request to the authorization device (20);

b) the merchant cash register (30) verifies the identity identification information of the payer, if the identity identification information does not pass through the merchant cash register, the follow-up operation is stopped, if the identity identification information passes through the merchant cash register, the follow-up operation responds to a payment request sent by the intelligent device (10), the ID information of the merchant cash register is sent to the intelligent device (10), whether the merchant cash register has the function of acquiring the type information of the article from the electronic tag of the external device or the article through the Internet of things is inquired, if the merchant cash register has the function, the merchant cash register jumps to c);

d) the authorization device (20) receives time information of the merchant cash register (30) and verifies the time limit condition;

e) the authorization device (20) receives consumption amount information of the merchant money receiving device (30), and verifies the amount limit condition or the payment time limit condition;

Detailed Description

1, the embodiment of reimbursement transfer payment by using the system and the method of the invention comprises the following steps:

the total reimbursement amount of a certain unit is recorded on a currency information server (40) of a bank, and the currency information server (40) not only stores payment information and currency information of each party, but also can be used for monitoring the whole payment process.

A unit sets N reimbursers as required, sets the purchasable item types (or service types) and reimbursement amounts or reimbursement time of the N reimbursers, and stores the identification information of the reimbursers in an authorization device (20).

The reimburser uses the intelligent device (10) to purchase goods or services from the merchant, and the transfer payment is carried out in the payment process according to the following process:

f) when one or more of the conditions c) -e) are satisfied, an electronic payment by the authorizing device (20) to the merchant checkout device (30) is completed. .

Under the condition, the condition that the merchant receives the payment trusting can be adopted, namely, the merchant is preferentially communicated with a merchant payment receiving unit, the information of the types of the articles is accurately divided, and the non-compliant articles are prevented from being purchased.

Because the whole process is completed by intelligent equipment, a large amount of time of personnel of each party is saved, and the financial staff does not need to be suitable for the accuracy of purchasing articles by the reimburser. The reimburser does not need to collect reimbursement evidence, much less pay related fees in advance. Therefore, the system facilitates all people who have the need for transferring payment, and simultaneously monitors the behavior of purchasing goods and services to a certain extent.

The present invention may be embodied in other specific forms without departing from the spirit or essential attributes thereof, and it is therefore intended that all such changes and modifications as fall within the true spirit and scope of the invention be considered as within the following claims.

Claims

1. A system for transferring payment using smart devices and authorized devices, comprising:

A smart device (10), used for on-site electronic payment with a merchant's collection device (30), and has the functions of payer identification and payment condition verification;

The authorization device (20) is used to set the payer's identity information and payment condition information, and respectively receive the relevant information from the smart device (10) and the merchant's payment device (30), finally complete the confirmation operation, and collect the payment from the merchant. payment device (30) electronic payment payment;

The merchant's payment device (30) has the function of receiving electronic money.

2. the system that utilizes intelligent equipment and authorization equipment to carry out transfer payment as claimed in claim 1, is characterized in that:

A bank currency information server (40) can be added to the system according to claim 1, and the bank currency information server (40) not only stores the payment information and currency information of each party, but can also be used to monitor the entire payment process.

3. the system that utilizes intelligent equipment and authorization equipment to carry out transfer payment as claimed in claim 1, is characterized in that:

The specific form of the smart device (10) and the authorization device (20) is a smart phone with an electronic payment function, a smart bracelet, or other wearable devices, or other dedicated electronic payment devices.

4. the system that utilizes intelligent equipment and authorization equipment to carry out transfer payment as claimed in claim 1, is characterized in that:

The payment condition may be a time limit condition, that is, t ₂ -t ₁ ≤T, where t ₂ is the payment time between the smart device (10) and the merchant's payment device (30), and t ₁ is the authorization device (20) The time of authorization to the smart device (10).

5. the system that utilizes intelligent equipment and authorization equipment to carry out transfer payment as claimed in claim 1, is characterized in that:

The payment condition may be an amount limit condition, that is, the cumulative payment amount is less than or equal to the authorized amount, or the payment condition is a payment number limit condition, that is, the payment number is less than or equal to the authorized payment number.

6. the system that utilizes intelligent equipment and authorization equipment to carry out transfer payment as claimed in claim 1, is characterized in that:

The merchant's payment device (30) may have the following functions: obtain item type information from an external device or an electronic label of the item through the Internet of Things; at this time, the payment condition may be a restriction condition of the purchased item type.

7. the system that utilizes intelligent equipment and authorization equipment to carry out transfer payment as claimed in claim 1, is characterized in that:

The merchant's payment device (30) may have the functions of payer identification and payment condition verification.

8. the system that utilizes intelligent equipment and authorization equipment to carry out transfer payment as claimed in claim 1, is characterized in that:

The identification of the payer can be accomplished by using biometric identification methods such as fingerprint identification, voice identification and iris identification.

9. the system that utilizes intelligent equipment and authorization equipment to carry out transfer payment as claimed in claim 1, is characterized in that:

Under the condition that the payer is trusted, the transfer payment is completed as follows:

a) The smart device (10) verifies the identity information of the payer, if it does not pass, then stops the follow-up operation, if it passes, then sends a payment request to the merchant's payment device (30), and at the same time sends to the authorization device (20) to establish a link ask;

b) The merchant's payment device (30) responds to the payment request sent by the smart device (10), sends the information containing its own ID to the smart device (10), and inquires whether it has the electronic label of the external device or item through the Internet of Things. The function of obtaining item type information, if available, jump to c), if not, jump to d);

c) The authorization device (20) receives the item type information sent by the merchant's payment device (30), and verifies the restrictions on the purchased item type;

d) authorizing the device (20) to receive the time information of the smart device (10) and verifying the time constraints;

e) the authorization device (20) receives the consumption amount information of the smart device (10), and verifies the amount limit or the payment times limit;

f) When one or more of the conditions c)-e) are satisfied, the electronic payment by the authorizing device (20) to the merchant's collection device (30) is completed.

10. The system according to claim 1, characterized in that:

Under the condition that the merchant's payment is trusted, complete the transfer payment as follows:

a) The smart device (10) sends a payment request to the merchant's collection device (30), and at the same time sends a request to establish a link to the authorization device (20);

b) The merchant's payment device (30) verifies the identity information of the payer, and if it does not pass, the subsequent operation is stopped. If it passes, it responds to the payment request sent by the smart device (10), and sends the information containing its own ID to the smart device ( 10), and inquire whether it has the function of obtaining item type information from electronic tags of external devices or items through the Internet of Things. If so, skip to c), if not, skip to d);

c) The authorization device (20) receives the item type information sent by the merchant's payment device (30), and verifies the restriction conditions of the purchased item type;

d) the authorization device (20) receives the time information of the merchant's payment device (30), and verifies the time limit condition;

e) the authorization device (20) receives the consumption amount information of the merchant's payment device (30), and verifies the amount limit condition or the payment times limit condition;