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1. CN108520417 - Payment method and device, server, payment terminal, and computer readable medium

Office Chine
Numéro de la demande 201810234385.6
Date de la demande 21.03.2018
Numéro de publication 108520417
Date de publication 11.09.2018
Type de publication A
CIB
G06Q 20/40
GPHYSIQUE
06CALCUL; COMPTAGE
QSYSTÈMES OU MÉTHODES DE TRAITEMENT DE DONNÉES, SPÉCIALEMENT ADAPTÉS À DES FINS ADMINISTRATIVES, COMMERCIALES, FINANCIÈRES, DE GESTION, DE SURVEILLANCE OU DE PRÉVISION; SYSTÈMES OU MÉTHODES SPÉCIALEMENT ADAPTÉS À DES FINS ADMINISTRATIVES, COMMERCIALES, FINANCIÈRES, DE GESTION, DE SURVEILLANCE OU DE PRÉVISION, NON PRÉVUS AILLEURS
20Architectures, schémas ou protocoles de paiement
38Protocoles de paiement; leurs détails
40Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
CPC
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 20/405
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
405Establishing or using transaction specific rules
Déposants GUANGDONG OPPO MOBILE TELECOMMUNICATIONS CORP., LTD.
广东欧珀移动通信有限公司
Inventeurs LI HUI
李辉
Mandataires 深圳市智圈知识产权代理事务所(普通合伙) 44351
Titre
(EN) Payment method and device, server, payment terminal, and computer readable medium
(ZH) 支付方法、装置、服务器、支付终端及计算机可读介质
Abrégé
(EN)
The embodiment of the present application discloses a payment method and device, a server, a payment terminal, and a computer readable medium, and belongs to the field of payment. The payment method includes: acquiring identity information and the payment amount which are sent by a payment terminal, wherein the identity information is acquired by the payment terminal; determining a target paymentaccount corresponding to the identity information; and deducting the payment amount from the account balance of the target payment account to complete the payment. A user does not need to carry a bankcard and a mobile phone, and can complete consumption by entering identity information; and the user experience can be improved.

(ZH)
本申请实施例公开了一种支付方法、装置、服务器、支付终端及计算机可读介质,属于支付领域,该方法包括:获取支付终端发送的身份信息和支付金额,所述身份信息由所述支付终端采集;确定与所述身份信息对应的目标支付账号;从所述目标支付账号的账号余额中扣除所述支付金额,以完成支付。用户不需要携带银行卡,也不需要携带手机,通过录入身份信息的方式,就能够完成消费,提高了用户体验度。