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1. WO2020108151 - PAYMENT METHOD AND APPARATUS, AND DEVICE

Publication Number WO/2020/108151
Publication Date 04.06.2020
International Application No. PCT/CN2019/111583
International Filing Date 17.10.2019
IPC
G06Q 20/34 2012.01
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
30characterised by the use of specific devices
34using cards, e.g. integrated circuit cards or magnetic cards
CPC
G06Q 20/356
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
30characterised by the use of specific devices
34using cards, e.g. integrated circuit [IC] cards or magnetic cards
356Aspects of software for card payments
G06Q 20/3823
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
382insuring higher security of transaction
3823combining multiple encryption tools for a transaction
G06Q 20/4014
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
401Transaction verification
4014Identity check for transaction
G06Q 40/08
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
40Finance; Insurance; Tax strategies; Processing of corporate or income taxes
08Insurance, e.g. risk analysis or pensions
Applicants
  • 阿里巴巴集团控股有限公司 ALIBABA GROUP HOLDING LIMITED
Inventors
  • 耿浩 GENG, Hao
Agents
  • 北京博思佳知识产权代理有限公司 BEIJING BESTIPR INTELLECTUAL PROPERTY LAW CORPORATION
Priority Data
201811459924.230.11.2018CN
Publication Language Chinese (ZH)
Filing Language Chinese (ZH)
Designated States
Title
(EN) PAYMENT METHOD AND APPARATUS, AND DEVICE
(FR) PROCÉDÉ ET APPAREIL DE PAIEMENT, ET DISPOSITIF
(ZH) 支付方法、装置及设备
Abstract
(EN)
A payment method and apparatus, and a device. By means of the interaction of a payment server, a charging terminal, and a medical insurance system, when a transaction payment request is received (202), obtain medical insurance payment card information corresponding to payer information on the basis of a preset binding relationship between a payer and a medical insurance payment card, and send the medical insurance payment card information, transaction information, and charging terminal information to a medical insurance system (204); thus, the medical insurance system performs settlement processing and medical insurance fee payment processing on the transaction according to the received information (206), and executes payment processing of paying self-paid fees to the charging terminal according to a processing result fed back by the medical insurance system (208), thereby implementing the hybrid payment of the medical insurance fees and the self-paid fees by means of one payment behavior, and improving the payment efficiency.
(FR)
La présente invention concerne un procédé et un appareil de paiement, ainsi qu'un dispositif. Au moyen de l'interaction d'un serveur de paiement, d'un terminal de facturation et d'un système d'assurance médicale, lorsqu'une demande de paiement de transaction est reçue (202), obtenir des informations de carte de paiement d'assurance médicale correspondant à des informations de payeur sur la base d'une relation de liaison prédéfinie entre un payeur et une carte de paiement d'assurance médicale, et envoyer les informations de carte de paiement d'assurance médicale, les informations de transaction et les informations de terminal de facturation à un système d'assurance médicale (204) ; ainsi, le système d'assurance médicale effectue un traitement de règlement et un traitement de paiement de frais d'assurance médicale sur la transaction selon les informations reçues (206), et exécute un traitement de paiement consistant à payer des frais auto-payés au terminal de facturation selon un résultat de traitement renvoyé par le système d'assurance médicale (208), permettant ainsi de mettre en œuvre le paiement hybride des frais d'assurance médicale et des frais auto-payés au moyen d'un comportement de paiement, et d'améliorer l'efficacité de paiement.
(ZH)
一种支付方法、装置及设备,通过支付服务端、收费端和医保系统的交互,在接收到交易支付请求时(202),基于预设的支付方与医保支付卡的绑定关系,获取与支付方信息对应的医保支付卡信息,将医保支付卡信息、交易信息和收费端信息发送至医保系统(204),以供医保系统依据所接收信息对本次交易进行结算处理和医保费用支付处理(206),并根据医保系统反馈的处理结果执行向收费端支付自费费用的支付处理(208),从而实现通过一次支付行为完成医保费用和自费费用的混合支付,提高支付效率。
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