US 10,762,503 B2Granted

Method, device and system for online payment

AssigneeTencent Technology (Shenzhen) Company Limited

InventorYang Chen

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Abstract

Methods and devices for online payments are disclosed. Prior to accepting payment account information from a user for the payment transaction, a client terminal sends an interface listing command to a transaction server, requesting the transaction server to identify one or more acceptable input interfaces for receiving the payment account information. The transaction server responds to the interface listing command by a payment input instruction. The client terminal uses the payment input instructions to generate a payment information interface to present the one or more acceptable input interfaces for user selection. The user can choose how to input the payment information that best conforms to the user's expectations for security and convenience. The current method, device and system provide additional flexibility, improve efficiency, and facilitate online payment.

Claims14

Dependent claims

A method of facilitating a payment transaction, comprising:

at a client terminal having one or more processors and memory storing programs executed by the one or more processors,
receiving, from a user of the client terminal, transaction information including a payment amount and merchandise information for the payment transaction;
detecting current software and hardware capabilities of the client terminal;
generating a payment information interface for display at the client terminal, the payment information interface including a first set of user identity verification options for user selection in accordance with the transaction information and the current software and hardware capabilities of the client terminal;
receiving, from the user of the client terminal, first user identity information from the first set of user identity verification options for user selection in the payment information interface in accordance with the transaction information and the current software and hardware capabilities of the client terminal;
sending a payment request to a transaction server, the payment request including the transaction information and the user-selected first user identity information;
receiving a payment verification request from the transaction server;
in response to the payment verification request, generating a payment verification interface including a second set of user identity verification options for user selection, in which the user-selected first user identity information is disabled;
receiving, from the user of the client terminal, second user identity information from the second set of user identity verification options for user selection in the payment verification interface in accordance with the transaction information and the current software and hardware capabilities of the client terminal, the user-selected second user identity information distinct from the user-selected first user identity information;
sending a verify payment request to the transaction server, the verify payment request including the second user identity information, wherein the transaction server is configured to verify the payment transaction in accordance with the user-selected first user identity information and the user-selected second user identity information;
and
receiving a payment notification message from the transaction server.

9 more elements

A client terminal having:

one or more processors;
memory;
and
a plurality of program instructions stored in the memory and configured for execution by the one or more processors, the plurality of program instructions including:
receiving, from a user of the client terminal, transaction information including a payment amount and merchandise information for the payment transaction;
detecting current software and hardware capabilities of the client terminal;
generating a payment information interface for display at the client terminal, the payment information interface including a first set of user identity verification options for user selection in accordance with the transaction information and the current software and hardware capabilities of the client terminal;
receiving, from the user of the client terminal, first user identity information from the first set of user identity verification options for user selection in the payment information interface in accordance with the transaction information and the current software and hardware capabilities of the client terminal;
sending a payment request to a transaction server, the payment request including the transaction information and the user-selected first user identity information;
receiving a payment verification request from the transaction server;
in response to the payment verification request, generating a payment verification interface including a second set of user identity verification options for user selection, in which the user-selected first user identity information is disabled;
receiving, from the user of the client terminal, second user identity information from the second set of user identity verification options for user selection in the payment verification interface in accordance with the transaction information and the current software and hardware capabilities of the client terminal, the user-selected second user identity information distinct from the user-selected first user identity information;
sending a verify payment request to the transaction server, the verify payment request including the second user identity information, wherein the transaction server is configured to verify the payment transaction in accordance with the user-selected first user identity information and the user-selected second user identity information;
and
receiving a payment notification message from the transaction server.

12 more elements

A non-transitory computer readable storage medium having stored therein a plurality of program instructions that, when executed by a client terminal, cause the client terminal to perform a plurality of operations including:

receiving, from a user of the client terminal, transaction information including a payment amount and merchandise information for the payment transaction;
detecting current software and hardware capabilities of the client terminal;
generating a payment information interface for display at the client terminal, the payment information interface including a first set of user identity verification options for user selection in accordance with the transaction information and the current software and hardware capabilities of the client terminal;
receiving, from the user of the client terminal, first user identity information from the first set of user identity verification options for user selection in the payment information interface in accordance with the transaction information and the current software and hardware capabilities of the client terminal;
sending a payment request to a transaction server, the payment request including the transaction information and the user-selected first user identity information;
receiving a payment verification request from the transaction server;
in response to the payment verification request, generating a payment verification interface including a second set of user identity verification options for user selection, in which the user-selected first user identity information is disabled;
receiving, from the user of the client terminal, second user identity information from the second set of user identity verification options for user selection in the payment verification interface in accordance with the transaction information and the current software and hardware capabilities of the client terminal, the user-selected second user identity information distinct from the user-selected first user identity information;
sending a verify payment request to the transaction server, the verify payment request including the second user identity information, wherein the transaction server is configured to verify the payment transaction in accordance with the user-selected first user identity information and the user-selected second user identity information;
and
receiving a payment notification message from the transaction server.

8 more elements

Dependencies are inferred from the claim text.

Facts

Application: 16/222,963Filed 17 Dec 2018 · continuation
Priority: CN 2013 1 051323925 Oct 2013
Published: US 2019/0122213 A125 Apr 2019
Granted: 1 Sep 2020
Term ends: Not estimatedThe source records don’t support an estimate.

Classification7 codes

G06Q 20/40
Payment protocols; Details thereof: authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and…
G06Q 20/12
Payment architectures: specially adapted for electronic shopping systems
G06Q 30/0641
Electronic shopping [e-shopping]: utilising user interfaces specially adapted for shopping
H04L 2209/56
Additional information or applications relating to cryptographic mechanisms or cryptographic arrangements for secret or secure communication…

Family

PCT/CN2014/081021Parent of this continuation · filed 27 Jun 2014
Application14/569,398Parent of this continuation · filed 12 Dec 2014
US 2019/0122213 A1Pre-grant publication · published 25 Apr 2019
US 10,192,218 B2Parent of this continuation
US 2015/0120512 A1Published application
US 10,762,503 B2This patent

From the US filing history. Foreign family members aren’t listed.