# US 12,182,799 B2 · Payment processing system and method

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- Number: US 12,182,799 B2
- Document ID: US12182799B2
- Status: Granted
- Kind: B2
- Application number: 17/771,494
- Filed: 2020-10-23
- Published: 2022-12-22
- Granted: 2024-12-31
- Earliest claimed: 2019-10-25
- Assignees: Netsunion Clearing Corporation
- Applicants: Netsunion Clearing Corporation
- Inventors: Lingbin Kong
- Web page: https://patentgrep.com/patent/US12182799B2

## CPC

- G06Q 20/3274: {using a pictured code, e.g. barcode or QR-code, being displayed on the M-device}
- G06Q 20/36: using electronic wallets or electronic money safes
- G06Q 20/023: {the neutral party being a clearing house}
- G06Q 20/20: Point-of-sale [POS] network systems
- G06Q 20/385: {using an alias or single-use codes}
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR

## Abstract

The present application provides a payment processing system and method, wherein the system comprises: a merchant terminal reading a user code of a user terminal to generate a transaction order and sending the order to an acquirer; the acquirer generating a payment request according to the order, sending the request to the clearing institution, and the clearing institution forwarding the request to an account institution according to the user code; the account institution making user funds deduction according to the request and returning payment processing result notification information to the clearing institution, and the clearing institution forwarding the information to the acquirer and an e-wallet backend system at the same time; the e-wallet backend system sending the information to the user terminal and the user terminal displaying a payment result, and the acquirer receiving the information forwarded by the clearing institution and the merchant terminal displaying the payment result.

## Claims

### Claim 1

A payment processing system, comprising:
a user terminal, a merchant terminal, an e-wallet backend system, a clearing institution, an acquirer and an account institution;
the user terminal acquiring account information to be bound and sending it to the e-wallet backend system;
the e-wallet backend system sending a business opening application request to the clearing institution according to the account information to be bound;
the clearing institution acquiring the account information to be bound according to the business opening application request, recording the account information to be bound, and forwarding the account information to be bound to the account institution;
the account institution verifying the account information to be bound and returning a business opening result to the clearing institution; and
the clearing institution recording the business opening result and forwarding the business opening result to the e-wallet backend system, and the e-wallet backend system returning the business opening result to the user terminal;
the e-wallet backend system sending a user code application request to the clearing institution;
the clearing institution generating a scannable user code based on the user code application request, wherein the scannable user code comprises a user identifier, a payment mode, and the user's account information, wherein the scannable user code is generated dynamically for one-time use and is updated regularly;
the clearing institution sending the generated user code to the e-wallet backend system;
the e-wallet backend system returning the user code to the user terminal and displaying the user code at the user terminal;
the merchant terminal reading the user code of the user terminal to generate a transaction order and sending the transaction order to the acquirer;
the acquirer generating a payment request according to the transaction order, and sending the payment request to the clearing institution;
the clearing institution forwarding the payment request to the account institution according to the user code;
the account institution making user funds deduction according to the payment request and returning payment processing result notification information to the clearing institution;
the clearing institution forwarding the payment result notification information to the acquirer and the e-wallet backend system at the same time;
the e-wallet backend system sending the payment result notification information to the user terminal and the user terminal displaying a payment result; and
the acquirer receiving the payment result notification information forwarded by the clearing institution and the merchant terminal displaying the payment result.

### Claim 2 (depends on 1)

The payment processing system according to claim 1, before the merchant terminal reading the user code of the user terminal to generate a transaction order, further comprising: the user terminal sending a user code application request to the e-wallet backend system; the clearing institution generating a user code according to the user code application request and sending it to the e-wallet backend system, the e-wallet backend system returning the user code to the user terminal and displaying the user code at the user terminal.

### Claim 3 (depends on 2)

The payment processing system according to claim 2, before forwarding the account information to be bound to the account institution, further comprising: the clearing institution determining whether the account information to be bound is bound account information according to recorded information; returning the business opening result directly to the e-wallet backend system, if the account information to be bound is a bound account information.

### Claim 4 (depends on 1)

The payment processing system according to claim 1, before the merchant terminal reading the user code of the user terminal to generate a transaction order, further comprising: the user terminal generating the user code by means of a predetermined fixed algorithm.

### Claim 5 (depends on 4)

The payment processing system according to claim 4, wherein the clearing institution forwarding the payment request to the account institution comprises: the clearing institution verifying the user code by means of the predetermined fixed algorithm; selecting the account institution to which the account belongs according to the user code and forwarding the payment request to the account institution.

### Claim 6 (depends on 1)

The payment processing system according to claim 1, wherein the account information to be bound comprises: one or more of an account name, an account number, a user identification information and a contact information reserved by a user when opening an account with the account institution.

### Claim 7

A payment processing method, comprising the following steps:
a user terminal acquiring account information to be bound and sending it to an e-wallet backend system;
the e-wallet backend system sending a business opening application request to a clearing institution according to the account information to be bound;
the clearing institution acquiring the account information to be bound according to the business opening application request, recording the account information to be bound, and forwarding the account information to be bound to an account institution;
the account institution verifying the account information to be bound and returning a business opening result to the clearing institution; and
the clearing institution recording the business opening result and forwarding the business opening result to the e-wallet backend system, and the e-wallet backend system returning the business opening result to the user terminal;
the e-wallet backend system sending a user code application request to the clearing institution;
the clearing institution generating a scannable user code based on the user code application request, wherein the scannable user code comprises a user identifier, a payment mode, and the user's account information, wherein the scannable user code is generated dynamically for one-time use and is updated regularly;
the clearing institution sending the generated user code to the e-wallet backend system;
the e-wallet backend system returning the user code to the user terminal and displaying the user code at the user terminal;
a merchant terminal reading the user code of a user terminal to generate a transaction order and sending the transaction order to the acquirer;
the acquirer generating a payment request according to the transaction order, sending the payment request to the clearing institution;
the clearing institution forwarding the payment request to the account institution according to the user code;
the account institution making user funds deduction according to the payment request and returning payment processing result notification information to the clearing institution;
the clearing institution forwarding the payment result notification information to the acquirer and the e-wallet backend system at the same time;
the e-wallet backend system sending the payment result notification information to the user terminal and the user terminal displaying a payment result; and
the acquirer receiving the payment result notification information forwarded by the clearing institution and the merchant terminal displaying the payment result.

### Claim 8

A payment processing method, being applied to a clearing institution, comprising the following steps:
a user terminal acquiring account information to be bound and sending it to an e-wallet backend system;
the e-wallet backend system sending a business opening application request to a clearing institution according to the account information to be bound;
the clearing institution acquiring the account information to be bound according to the business opening application request, recording the account information to be bound, and forwarding the account information to be bound to an account institution;
the account institution verifying the account information to be bound and returning a business opening result to the clearing institution; and
the clearing institution recording the business opening result and forwarding the business opening result to the e-wallet backend system, and the e-wallet backend system returning the business opening result to the user terminal;
the e-wallet backend system sending a user code application request to the clearing institution;
the clearing institution generating a scannable user code based on the user code application request, wherein the scannable user code comprises a user identifier, a payment mode, and the user's account information, wherein the scannable user code is generated dynamically for one-time use and is updated regularly;
the clearing institution sending the generated user code to the e-wallet backend system;
the e-wallet backend system returning the user code to the user terminal and displaying the user code at the user terminal;
receiving a payment request from an acquirer, wherein the payment request is generated by the acquirer according to a transaction order, the transaction order being generated by a merchant terminal after reading the user code of the user terminal;
forwarding the payment request to the account institution according to the user code such that the account institution makes user funds deduction according to the payment request and generates a payment processing result notification information; and
receiving the payment processing result notification information returned by the account institution and forwarding the payment result notification information to the acquirer and the e-wallet backend system, such that the e-wallet backend system sends the payment result notification information to the user terminal and the payment result is displayed at the user terminal, and such that the acquirer sends the payment result notification information to the merchant terminal and the payment result is displayed at the merchant terminal.

### Claim 9 (depends on 8)

The payment processing method according to claim 8, before receiving a payment request from an acquirer, further comprising: the user code application request being forwarded by the e-wallet backend system according to the user code application request from the user terminal; generating the user code according to the user code application request and returning the user code to the e-wallet backend system, so that the e-wallet backend system returns the user code to the user terminal and the user code is displayed at the user terminal.

### Claim 10 (depends on 9)

The payment processing method according to claim 9, before forwarding the account information to be bound to the account institution, further comprising: determining whether the account information to be bound is a bound account information according to recorded information; returning the business opening result directly to the e-wallet backend system, if the account information to be bound is a bound account information.

### Claim 11 (depends on 8)

The payment processing method according to claim 8, wherein forwarding the payment request to an account institution according to the user code comprises: verifying the user code by means of a predetermined fixed algorithm; wherein the user code is generated by the user terminal by means of the predetermined fixed algorithm; selecting the account institution to which the account belongs according to the user code and forwarding the payment request to the account institution.

### Claim 12 (depends on 8)

The payment processing method according to claim 8, wherein in that the account information to be bound comprises at least one of: an account name; an account number; a user identification information; a contact information reserved by a user when opening an account with the account institution.