CN107274190A - Intelligence pays board and system - Google Patents

Abstract

Paid the invention provides a kind of intelligence and communication module and prompting module are provided with board and system, including payment board pedestal, the payment board pedestal, the communication module is connected with outside payment platform communication, the communication module and prompting module connection, wherein：The communication module is used to receive the payment information that outside payment platform send after delivery operation, and the payment information is sent to the prompting module, and the payment information is text message or voice messaging；The prompting module is used to be pointed out to user according to the payment information.The present invention facilitates beneficiary to confirm Receiving information, shortens exchange hour, improves payment efficiency, compensate for cheating leak.

Description

Smart payment card and system

technical field

The invention belongs to the technical field of intelligent payment, in particular to an intelligent payment card and system.

Background technique

With the development of Internet technology, existing electronic payment systems usually use two-dimensional codes for collection or payment, which is called face-to-face payment. The party scans the payment QR code of the payer to collect the payment, and after the payment is completed, a message is sent to the mobile phones of both parties. This simplifies the payment process for users and is generally welcomed by people.

However, after using the existing payment system to collect money, the acquisition and confirmation of payment information such as the status of the payment (successful or not), the amount of the payment, and the payer all require the payee to operate the payment terminal or view the payer's payment Equipment, the former causes the payee to operate complicatedly, prolongs the transaction time of both parties, and reduces the payment efficiency, and the latter leads to fraud loopholes in the collection, for example, the payer shows the screenshot of the last payment to the payee.

In the existing electronic payment system, the technical solution of adding a two-dimensional code to the collection APP running on the smart terminal is adopted. The two-dimensional code is a printed handicraft with a mechanical structure and does not include a smart device. Therefore, the confirmation of payment requires payment People operate the payment collection APP, which reduces the efficiency and speed of payment collection. Although some APPs have the function of voice broadcast payment information, it is difficult to achieve due to factors such as the portability of smart devices, the privacy of personal items, and the output power of speakers. The design purpose of the voice reminder payment information, for example, the APP running on the collection smart phone of Suqianba can voice broadcast the payment information, but the payee needs to hold or carry the smart phone running the APP, when holding or When the person carrying the smartphone is not at the payment site, other people cannot directly confirm the payment information, and can only use an indirect method with fraudulent loopholes (check the page where the payer’s smartphone payment is completed), which limits its use, and the hardware Technically, the average output power of the speakers of existing smartphones is less than 1 watt, and it is difficult to hear the payment information broadcast by voice in the noisy environment of the payment site.

In view of the above technical problems, it is necessary to propose a technical solution that facilitates users to confirm payment information and improves payment efficiency.

Contents of the invention

The purpose of the present invention is to provide an intelligent payment card and system, which aims to facilitate the payee to confirm the payment information, make up for loopholes, shorten transaction time, and improve payment efficiency.

The present invention is achieved in this way, an intelligent payment card includes a payment card base, a communication module and a reminder module are arranged in the payment card base, the communication module is connected to an external payment platform, and the communication module and Reminder module connection, where:

The communication module is used to receive the payment information sent by the external payment platform after the payment operation, and send the payment information to the reminder module, the payment information is text information or voice information;

The reminding module is used to remind the user according to the payment information.

A further technical solution of the present invention is that a control module is also arranged in the payment card base, and the communication module and the reminder module are respectively connected to the control module;

The communication module is also used to send the payment information to the control module;

The control module is configured to send a reminder instruction to the reminder module according to the payment information;

The reminder module is also used for prompting the user according to the reminder instruction.

A further technical solution of the present invention is that the smart payment card further includes a two-dimensional code set on the payment card base, and the two-dimensional code is detachably connected or fixedly connected to the payment card base.

A further technical solution of the present invention is that the payment card base is provided with a card slot for holding the two-dimensional code.

A further technical solution of the present invention is that the two-dimensional code adopts a suspension structure, and the suspension structure includes one or more of chain hanging, magnet adsorption and sticking.

A further technical solution of the present invention is that a display is also provided on the payment card base, and the display is used to display one or more of the payment information, payment collection two-dimensional code graphic information, bar code and advertisement information. In one embodiment, the display is connected to the control module.

A further technical solution of the present invention is that a sensor for collecting environmental information is also arranged in the payment card base, and the sensor is connected with the control module.

A further technical solution of the present invention is that the sensor is a distance sensor, the distance sensor is connected to the control module, and the distance sensor is used to detect the distance information between the user and the payment card base. When the distance information reaches a predetermined distance value, the display is used to display the payment two-dimensional code graphic information according to the distance information, and when the distance information reaches the predetermined distance value, the display is used to display the advertising information.

A further technical solution of the present invention is that a repeat reminding module is further provided in the payment card base, and the repeat reminding module is used to repeatedly remind the latest payment information, and the repeat reminding module is connected with the control module.

A further technical solution of the present invention is that the payment card base is provided with a button for controlling the on or off of the repeat reminding module, and the button is connected with the control module.

A further technical solution of the present invention is that an illumination device is further provided on the payment card base, and the illumination device is connected with the control module.

A further technical solution of the present invention is that the reminder module includes one or more of a voice reminder module, a display reminder module, a photoelectric reminder module and a sensory reminder module.

The present invention also proposes an intelligent payment system, which includes the above-mentioned intelligent payment card, payment platform and network equipment, and the intelligent payment card, payment platform and the network equipment are connected in communication.

A further technical solution of the present invention is that the system further includes a server, and the server is respectively connected to the payment platform and the network equipment through communication.

The beneficial effects of the present invention are: the intelligent payment card and system provided by the present invention adopt the above scheme, the intelligent payment card includes a payment card base, and a communication module and a reminder module are arranged in the payment card base, and the communication module and External payment platform communication connection, the communication module is connected to the reminder module, wherein: the communication module is used to receive the payment information sent by the external payment platform after the payment operation, and send the payment information to the reminder module, so The above payment information is text information or voice information; the reminder module is used to prompt the user according to the payment information, make up for the collection loopholes, facilitate the payee to confirm the collection information, shorten the transaction time, improve the payment efficiency, and make the original In some face-to-face payment and collection transactions, a series of operational steps are required for both the payee and the payer, and all operations of the payee are omitted, realizing "hands-free" collection.

Description of drawings

Fig. 1 is a functional module schematic diagram of the first embodiment of the smart payment card provided by the present invention;

Fig. 2 is a schematic diagram of the functional modules of the second embodiment of the smart payment card provided by the present invention;

Fig. 3 is a three-dimensional structural schematic diagram of the third embodiment of the smart payment card provided by the present invention;

Fig. 4 is a three-dimensional structural schematic diagram of the third embodiment of the smart payment card provided by the present invention;

Fig. 5 is a schematic diagram of the functional modules of the third embodiment of the smart payment card provided by the present invention;

Fig. 6 is a schematic diagram of the principle of the first embodiment of the intelligent payment system provided by the present invention;

Fig. 7 is a schematic diagram of the principle of the second embodiment of the smart payment system provided by the present invention.

Reference signs:

Pay card base -10;

Communication module-101;

reminder module-102;

control module-103;

Repeat Reminder Module-104;

QR code-20;

display-30;

sensor-40;

key-50;

payment platform - 60;

network-device-70;

server-80

detailed description

The solution of the embodiment of the present invention is mainly as follows: the smart payment card provided by the present invention includes a payment card base, a communication module and a reminder module are arranged in the payment card base, and the communication module is connected to an external payment platform for communication. The communication module is connected to the reminder module, wherein: the communication module is used to receive the payment information sent by the external payment platform after the payment operation, and send the payment information to the reminder module, and the payment information is text information or voice information; the reminder module is used to prompt the user according to the payment information, thereby facilitating the payee to confirm the payment information, so that the face-to-face payment project eliminates the payee's operation steps, shortens the transaction time, and improves payment efficiency.

After the existing payment system collects money, the acquisition and confirmation of the collection status (successful or not), collection amount, payer and other collection information all require the payee to operate the collection terminal, which makes the operation of the payee complex and protracted. The transaction time between the two parties is shortened, the payment efficiency is reduced, and there are fraud loopholes. Although the collection terminal of Suqianba can voice broadcast the collection information, the payee needs to hold or carry the collection terminal running the APP. When the person holding or carrying the collection terminal is not on site, other People cannot directly confirm the payment information, which limits its use, and is limited by the peak output power of the existing mobile phone speakers below 2 watts, and the average power is below 1 watt, so it cannot be heard clearly in the noisy environment of the payment site. Voice broadcast.

In order to solve the above problems, the present invention provides a solution, which facilitates the payee to confirm the payment information, shortens the transaction time, and improves payment efficiency.

Specifically, as shown in FIG. 1 , the smart payment card of the present invention proposes a first embodiment, the smart payment card includes a payment card base 10, and the payment card base 10 is provided with a communication module 101 and a reminder module 102, The communication module 101 is connected to the external payment platform by communication, and the communication module 101 is connected to the reminder module 102, wherein: the communication module 101 is used to receive the payment information sent by the external payment platform after the payment operation, and send the payment The information is sent to the reminder module 102, and the payment information is text information or voice information; the reminder module 102 is used for prompting the user according to the payment information.

It can be understood that the payment platforms include Alipay, WeChat, Quick Money, Baifubao, Tenpay, YeePay, PayEase, Haopay, PayPal, PayPal, UnionPay, banks, second-party payment, third-party payment, etc. One or more of three-party payment and fourth-party payment.

The payment information includes notification time, notification type, notification verification ID, signature type, signature, transaction number, developer's app_id, merchant order number, merchant business number, buyer user number, buyer account number, seller user number, Seller account, transaction status, order amount, actual receipt amount, billing amount, payment amount, Jifenbao amount, total refund amount, actual refund amount, order title, product description, transaction creation time, transaction payment time, transaction end One or more of time and payment amount information.

The communication module 101 can be an Ethernet module, CAN bus module, RS232 module, RS485 module, Bluetooth module, WIFI module, GPRS module, 3G module, 4G module, 5G module, NFC module, NB-IOT module and LORA module one or more of.

The reminder module 102 is a module that converts payment information into a reminder signal that can be recognized by the human body's senses, such as one or more of a voice reminder module, a display reminder module, a photoelectric reminder module, and a somatosensory reminder module.

More specifically, after the payer places an order with the payment platform, the payment platform sends payment information to the communication module 101, wherein the payment information can be text information or voice information. After the communication module 101 receives the payment information, it sends the payment information to the reminder module 102, and the reminder module 102 reminds according to the payment information, wherein the reminder method can be voice reminder or display reminder One or more of photoelectric reminding and motion sensing reminding, so that it is convenient for the payee to confirm the payment information, shorten the transaction time, and improve the payment efficiency.

The smart payment card proposed in this embodiment includes a payment card base 10, a communication module 101 and a reminder module 102 are arranged in the payment card base 10, and the communication module 101 is connected to an external payment platform by communication. 101 is connected to the reminder module 102, wherein: the communication module 101 is used to receive the payment information sent by the external payment platform after the payment operation, and send the payment information to the reminder module 102, and the payment information is text information Or voice information; the reminder module 102 is used to prompt the user according to the payment information, so that the payee can confirm the payment information, make up for the collection fraud loopholes, shorten the transaction time, improve the payment efficiency, and improve the humanized experience.

Further, please refer to FIG. 2 , based on the above-mentioned first embodiment, the smart payment card of the present invention proposes a second embodiment. The difference between this embodiment and the above-mentioned first embodiment is that the smart payment card provided by this embodiment is further provided with a control module 103, and the communication module 101 and the reminder module 102 are respectively connected to the control module 103.

In this embodiment, the communication module 101 is further configured to send the payment information to the control module 103; the control module 103 is configured to send a reminder instruction to the reminder module 102 according to the payment information; The reminder module 102 is also configured to prompt the user according to the reminder instruction.

It can be understood that, when the payment information received by the communication module 101 is text information, the control module 103 is also configured to convert the text information into voice information through TTS and send a reminder instruction to the reminder module 102 , and then, the reminder module 102 prompts the user according to the reminder instruction.

The smart payment card provided by this embodiment facilitates the payee to confirm the payment information, makes up for the loopholes of payment fraud, shortens the transaction time, improves the payment efficiency, and further improves the humanized experience.

Furthermore, based on the above-mentioned second embodiment, please refer to Fig. 3, Fig. 4 and Fig. 5, the third embodiment of the present invention proposes an intelligent payment card, and the payment card also includes The two-dimensional code 20 on the base 10, the two-dimensional code 20 is detachably connected or fixedly connected to the base.

Specifically, the two-dimensional code 20 can be set on the payment card base 10 by printing, engraving or casting, etc., or can be set on the payment card base 10 by buckles, bolts or magnets. During implementation, a card slot can also be provided on the payment card base 10, and the two-dimensional code 20 can be stuck in the card slot. In this way, it is convenient for the user to place an order on the payment platform by scanning the two-dimensional code 20, thereby improving payment efficiency.

The two-dimensional code can also adopt a suspension structure, and the suspension structure includes one or more of chain hanging, magnet adsorption and sticking.

In order to further enhance the user-friendly experience, in the smart payment card proposed in this embodiment, the payment card base 10 is provided with a display 30 and a sensor 40, wherein the display 30 is used to display the payment information, payment collection One or more of two-dimensional code graphic information, barcode and advertisement information, the display 30 is connected with the control module 103 . The sensor 40 is used to collect surrounding environment information, and the sensor 40 is connected to the control module 103 .

It can be understood that the sensor 40 may be one or more of a distance sensor, a pyro sensor, a temperature sensor, a humidity sensor, a voice sensor, a gravity sensor, an acceleration sensor, a geomagnetic sensor and a positioning sensor.

In this embodiment, a distance sensor can be selected, and the distance sensor is used to detect the distance information between the user and the payment card base 10. When the distance information reaches a predetermined distance value, the display 30 The distance information shows the graphic information of the two-dimensional code for payment. At this time, the payer can place an order on the payment platform by scanning the two-dimensional code for payment. After the payer completes the payment, the payment information is displayed on the display 30 , or play the payment information by voice through the reminder module; when the distance information does not reach the predetermined distance value, the display 30 displays advertisement information. Wherein, the predetermined distance value may be set according to actual experience. In this way, the payment efficiency is further improved, and the humanized experience is improved. In addition, when the distance information does not reach the predetermined distance value, the payment card enters a dormant state to reduce power consumption and improve battery life.

In addition, in order to facilitate the user to know the latest payment information, in the smart payment card provided by this embodiment, a repeat reminder module 104 is also provided in the payment card base 10, and the repeat reminder module 104 is connected to the control module 103 , the payment card base 10 is provided with a button 50 for controlling the on or off of the repeat reminder module 104 , and the button 50 is connected with the control module 103 .

It should be noted that, during specific implementation, a lighting device, such as a lighting lamp, can be set on the payment card base 10, and the lighting device is connected to the control module, so that the payer can use the mobile phone in a dark environment. Or other payment terminals scan the payment two-dimensional code 20 to complete the order placing operation.

In addition, in order to improve the voice broadcast quality of the reminder module, a voice playback hole can also be set on the payment card base.

In summary, the smart payment card provided by the present invention includes a payment card base 10, and the payment card base 10 is provided with a communication module 101 and a reminder module 102, and the communication module 101 is connected to an external payment platform through communication. The communication module 101 is connected to the reminder module 102, wherein: the communication module 101 is used to receive the payment information sent by the external payment platform after the payment operation, and send the payment information to the reminder module 102, the payment information It is text information or voice information; the reminder module 102 is used to prompt the user according to the payment information, so that the payee can confirm the payment information, make up for the collection fraud loopholes, shorten the transaction time, improve the payment efficiency, and improve human nature experience.

Based on the above smart payment card, the present invention also proposes a smart payment system, as shown in Figure 6, the first embodiment of the system includes a smart payment card, a payment platform 60 and a network device 70, the smart payment card, payment platform 60 Communicatively connected with the network device 70 .

Wherein, the smart payment card can be the smart payment card described in the above-mentioned embodiments. For the functional modules and implementation principles of the smart payment card, please refer to the above-mentioned embodiments, and details will not be repeated here.

It can be understood that the network device 70 may be one or more of smart phones, routers, gateways, base stations, wireless APs and computers.

When the payer scans the two-dimensional code 20 on the payment card base 10 with the mobile phone, relevant payment information such as the payment result or status generated after the payment is completed is sent to the network device 70 through the payment platform 60, and the network device 70 sends the relevant payment information Send it to the smart payment card, so as to realize the reminder of payment information.

Further, based on the first embodiment above, as shown in FIG. 7 , the second embodiment of the practical information intelligent payment system may further include a server 80 , and the server 80 is communicatively connected to the payment platform 60 and the network device 70 respectively.

Specifically, when the payer scans the QR code 20 on the payment card base 10 with a mobile phone, the relevant information of the payment request or order is sent to the payment platform 60 via the server 80, and after the payment operation is completed, the payment The platform 60 sends relevant payment results or status information to the server 80, and then the server 80 sends the relevant payment information to the smart payment card via the network device 70, so as to remind the user of the payment information .

In addition, it should be noted that when the payer scans the QR code 20 on the payment card base 10 with a mobile phone, the payment request or order and other relevant information generated by scanning can also be directly sent to the payment platform 60. After the payment is completed, all The payment platform 60 sends the payment result or status information to the smart payment card via the network device 70, so as to remind the user of the payment information.

In summary, the intelligent payment system provided by the present invention includes an intelligent payment card, a payment platform, and a network device. The intelligent payment card, the payment platform and the network device are connected in communication, and the payment information is sent to the user through the intelligent payment card. Reminder, it is convenient for the payee to confirm the payment information, shorten the transaction time, improve payment efficiency, make up for fraud loopholes, and improve the user-friendly experience.

The above descriptions are only preferred embodiments of the present invention, and are not intended to limit the present invention. Any modifications, equivalent replacements and improvements made within the spirit and principles of the present invention should be included in the protection of the present invention. within range.

Claims (14)

1. An intelligent payment card, characterized in that it comprises a payment card base, a communication module and a reminder module are arranged in the payment card base, the communication module is connected with an external payment platform, and the communication module and the reminder module connection, where: The communication module is used to receive the payment information sent by the external payment platform after the payment operation, and send the payment information to the reminder module, the payment information is text information or voice information; The reminding module is used to remind the user according to the payment information. 2. The intelligent payment card according to claim 1, wherein a control module is also arranged in the payment card base, and the communication module and the reminder module are respectively connected with the control module; The communication module is also used to send the payment information to the control module; The control module is configured to send a reminder instruction to the reminder module according to the payment information; The reminder module is also used for prompting the user according to the reminder instruction. 3. The intelligent payment card according to claim 2, further comprising a two-dimensional code arranged on the base of the payment card, the two-dimensional code is detachably connected or fixed to the base of the payment card connect. 4 . The smart payment card according to claim 3 , wherein a card slot for holding the two-dimensional code is arranged on the base of the payment card. 5 . The smart payment card according to claim 3 , wherein the two-dimensional code adopts a suspension structure, and the suspension structure includes one or more of chain hanging, magnet adsorption and sticking. 6. The intelligent payment card according to claim 2, characterized in that, the payment card base is also provided with a display, and the display is used to display the payment information, payment collection two-dimensional code graphic information, bar code and One or several types of advertising information, the display is connected to the control module. 7. The intelligent payment card according to claim 2, characterized in that, the payment card base is also provided with a sensor for collecting environmental information, and the sensor is connected with the control module. 8. The intelligent payment card according to claim 7, wherein the sensor is a distance sensor, the distance sensor is connected to the control module, and the distance sensor is used to detect the distance between the user and the payment card base. The distance information between, when the distance information reaches a predetermined distance value, the display is used to display the payment two-dimensional code graphic information according to the distance information, when the distance information does not reach the predetermined distance value , the display is used to display the advertisement information. 9. The intelligent payment card according to claim 2, characterized in that, a repeat reminder module is also provided in the payment card base, and the repeat reminder module is used to repeatedly remind the latest payment information, and the repeat reminder module Connect with the control module. 10 . The intelligent payment card according to claim 9 , wherein a button for controlling the on or off of the repeat reminding module is arranged on the payment card base, and the button is connected with the control module. 11 . 11. The intelligent payment card according to claim 2, characterized in that, the base of the payment card is further provided with a lighting device, and the lighting device is connected with the control module. 12. The intelligent payment card according to any one of claims 1-11, wherein the reminder module includes one or more of a voice reminder module, a display reminder module, a photoelectric reminder module and a motion reminder module. 13. An intelligent payment system, characterized in that it comprises an intelligent payment card, a payment platform, and a network device as claimed in any one of claims 1-12, and the intelligent payment card, the payment platform are connected in communication with the network device . 14. The intelligent payment system according to claim 13, further comprising a server, and the server is respectively connected to the payment platform and the network device in communication.