CN103699990A - Deferred payment method and system applied to social network - Google Patents
Deferred payment method and system applied to social network Download PDFInfo
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- CN103699990A CN103699990A CN201310677714.1A CN201310677714A CN103699990A CN 103699990 A CN103699990 A CN 103699990A CN 201310677714 A CN201310677714 A CN 201310677714A CN 103699990 A CN103699990 A CN 103699990A
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
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Abstract
The invention discloses a deferred payment method applied to a social network. The payment method comprises the following steps that a payment balance is endowed to each user account; when a user account initiates payment for a user account which accepts the payment, if the payment balance of the user account which initiates the payment is more than or equal to the required payment amount, the required payment amount is subtracted from the payment balance of the user account which initiates the payment; if the payment balance of the user account which initiates the payment is less than the required payment amount and more than zero, the required payment amount is subtracted from the payment balance of the user account which initiates the payment, and the increased amount of the payment balance of the user account which accepts the payment is the payment balance of the user account which initiates the payment before the user account which initiates the payment completes the payment; if the payment balance of the user account which initiates the payment is less than or equal to zero, the required payment amount is subtracted from the payment limit of the user account which initiates the payment, and the payment balance of the user account which accepts the payment is not changed; the user account which initiates the payment is monitored.
Description
Technical field
The present invention relates to a kind of payment technical field that is applicable to social networks.
Background technology
Existing on-line payment product mainly comprises two classes, and a class is online Credit Card Payments, and another kind of is third party's payment platform, such as instruments such as Alipays.
The problem that Credit Card Payments exists is: one) to open threshold high for beneficiary, and formality is numerous and diverse; Two) payer need to be inputted more personal information, has larger potential safety hazard.
The problem that third party's payment platform exists is: one) every transaction all needs payment transaction expense; Two) cannot realize line of credit.
Along with the popularization of internet, super small amount payment demand, more and more such as the payment demand of the amount such as 0.99 yuan, but existing product cannot solve this class problem.
Summary of the invention
The present invention is in order to provide a kind of method of payment that is applicable to social networks, and described social networks comprises a plurality of user accounts, it is characterized in that: step 1: give each user account Yi Ge payment of balance, this payment of balance's initial value is zero; Step 2: when a user account of initiating to pay initiates to pay to the user account of accepting to pay, if the payment of balance of the user account that this initiation pays is more than or equal to required payment amount, the payment of balance that initiates the user account of payment reduces required payment amount, the payment of balance that accepts the user account of payment increases required payment amount, notice pays successfully, and flow process finishes; Step 3: if the payment of balance of the user account that this initiation pays is less than required payment amount and is greater than zero, the payment of balance that initiates the user account of payment reduces required payment amount, the quantity that the payment of balance of the user account of acceptance payment increases completes the payment of balance before this payment for initiating the user account of payment, and the difference of the payment of balance that to record unenforced payment amount be required payment amount before completing this and pay with the user account of initiating to pay, notice pays successfully; Step 4: if the payment of balance of the user account that this initiation pays is less than or equal to zero, the payment of balance that initiates the user account of payment reduces required payment amount, the payment of balance that accepts the user account of payment does not change, and recording the absolute payment amount that unenforced execution amount is this payment, notice pays successfully; Step 5: the user account paying is initiated in monitoring, when it has fund to proceed to, with the unenforced payment of this fund executive logging, the payment of balance that initiates the user account of payment increases the quantity of the fund proceeding to, and the payment of balance that accepts the user account of payment increases unenforced payment amount.
Preferably, further comprise: the order of the unenforced payment of the executive logging in step 5 is wherein the priority order of the described user account of not carrying out the time of origin order paying or accepting to pay.
Preferably, further comprise: the service condition according to each user account in social networks, there is a lower limit in the payment of balance of each user account; The service condition of each described user account in social networks, comprises at least one in following content: pay close attention to quantity, this user account of the user account of this user account content distributed quantity, the quantity of being commented on by other user accounts, forward content quantity, log in quantity; The absolute value of the larger described lower limit of above-mentioned various quantity is larger.
Preferably, further comprise: before step 2 and 3, judge after payment of balance deducts required payment amount whether be more than or equal to lower limit, if do not met, notice pays unsuccessfully, termination process.
Preferably, further comprise: before step 2 and 3, whether the absolute value of judgement payment lower limit is greater than the threshold value of the user account setting of accepting payment, if do not met, notifies and pays unsuccessfully, termination process.
The present invention also provides a kind of payment system that is applicable to social networks, and described social networks comprises a plurality of user accounts, gives the device of each user account Yi Ge payment of balance, and this payment of balance's initial value is zero; First pays device, while initiating to pay to the user account of accepting to pay for the user account of initiating to pay when, if the payment of balance of the user account that this initiation pays is more than or equal to required payment amount, the payment of balance that initiates the user account of payment reduces required payment amount, the payment of balance that accepts the user account of payment increases required payment amount, and notice pays successfully; Second pays device, if the payment of balance of the user account paying for this initiation is less than required payment amount and is greater than zero, the payment of balance that initiates the user account of payment reduces required payment amount, the quantity that the payment of balance of the user account of acceptance payment increases completes the payment of balance before this payment for initiating the user account of payment, and the difference of the payment of balance that to record unenforced payment amount be required payment amount before completing this and pay with the user account of initiating to pay, notice pays successfully; The 3rd pays device, if the payment of balance of the user account paying for this initiation is less than or equal to zero, the payment of balance that initiates the user account of payment reduces required payment amount, the payment of balance that accepts the user account of payment does not change, and recording the absolute payment amount that unenforced execution amount is this payment, notice pays successfully; Monitoring device, for monitoring the user account of initiating payment, when it has fund to proceed to, unenforced payment with this fund executive logging, the payment of balance that initiates the user account of payment increases the quantity of the fund proceeding to, and the payment of balance that accepts the user account of payment increases unenforced payment amount.
The present invention also provides a kind of payment system that is applicable to social networks, comprising: one or more processors; Storer; And program, wherein, this program is stored in storer and is configured to and is performed by described one or more processors, and this program comprises the instruction that realizes any one method in claim 1-4.
The present invention also provides a kind of computer program, comprising: computer-readable recording medium and embedding computer program mechanism wherein, this computer program mechanism comprises the instruction that realizes any one method in claim 1-4.
The present invention, by the credit of Zhi Fuyu social networks is worth to combination, for the user account of social networks is given credit line, thereby repeatedly small amount payment is polymerized to a wholesale payment.
Accompanying drawing explanation
Fig. 1 is the process flow diagram according to first embodiment of the invention;
Fig. 2 is the process flow diagram according to second embodiment of the invention;
Fig. 3 is the structured flowchart according to first embodiment of the invention.
Embodiment
Fig. 1 is according to the process flow diagram of first embodiment of invention.
Step S1: give each user account Yi Ge payment of balance, this payment of balance's initial value is zero.
Step S2: when a user account of initiating to pay initiates to pay to the user account of accepting to pay, the payment of balance that judges the user account that this initiation pays is more than or equal to required payment amount, if yes then enter step S3, if not, enter step S4.
Step S3: the payment of balance that initiates the user account of payment reduces required payment amount, the payment of balance that accepts the user account of payment increases required payment amount, enters step S7.
Step S4: the payment of balance that judges the user account that this initiation pays is less than required payment amount and is greater than zero, if yes then enter step S5, if not, enters step S6.
Step S5; The payment of balance that initiates the user account of payment reduces required payment amount, the quantity that the payment of balance of the user account of acceptance payment increases completes the payment of balance before this payment for initiating the user account of payment, and the difference of the payment of balance that to record unenforced payment amount be required payment amount before completing this and pay with the user account of initiating to pay, enter step S7.
Step S6: the payment of balance that initiates the user account of payment reduces required payment amount, the payment of balance that accepts the user account of payment does not change, and records the absolute payment amount that unenforced execution amount is this payment, enters step S7.
Step S7: notice pays successfully.
Step S8; The user account paying is initiated in monitoring, and the fund of having judged whether proceeds to, and if not, repeated execution of steps S8, if so, enters step S9.
Step S9: with the unenforced payment of this fund executive logging, the payment of balance that initiates the user account of payment increases the quantity of the fund proceeding to, and the payment of balance that accepts the user account of payment increases unenforced payment amount.Preferably, the order of the unenforced payment of executive logging is the priority order of the described user account of not carrying out the time of origin order paying or accepting to pay.
Fig. 2 is the process flow diagram according to second embodiment of the invention.
Step S1: give each user account Yi Ge payment of balance, this payment of balance's initial value is zero.Service condition according to each user account in social networks, there is a lower limit in the payment of balance of each user account; The service condition of each described user account in social networks, comprises at least one in following content: pay close attention to quantity, this user account of the user account of this user account content distributed quantity, the quantity of being commented on by other user accounts, forward content quantity, log in quantity; The absolute value of the larger described lower limit of above-mentioned various quantity is larger.In addition, can also carry out corresponding lower limit according to user's authentication mode, for example, if larger through the absolute value that can give lower restriction of real-name authentication.
Step S2: when a user account of initiating to pay initiates to pay to the user account of accepting to pay, the payment of balance that judges the user account that this initiation pays is more than or equal to required payment amount, if yes then enter step S3, if not, enter step S10.
Step S10: judge after payment of balance deducts required payment amount whether be more than or equal to lower limit, if so, enter step S11, if not, enter step S12.
Step S11: whether the absolute value of judgement payment lower limit is greater than the threshold value of the user account setting of accepting payment, if so, enters step S4, if not, enters step S12.
Above-mentioned steps S10 and S11 can only select one of them to carry out, and also can two all carry out.When all carrying out for two, execution sequence does not limit.
Step S3: the payment of balance that initiates the user account of payment reduces required payment amount, the payment of balance that accepts the user account of payment increases required payment amount, enters step S7.
Step S4: the payment of balance that judges the user account that this initiation pays is less than required payment amount and is greater than zero, if yes then enter step S5, if not, enters step S6.
Step S5; The payment of balance that initiates the user account of payment reduces required payment amount, the quantity that the payment of balance of the user account of acceptance payment increases completes the payment of balance before this payment for initiating the user account of payment, and the difference of the payment of balance that to record unenforced payment amount be required payment amount before completing this and pay with the user account of initiating to pay, enter step S7.
Step S6: the payment of balance that initiates the user account of payment reduces required payment amount, the payment of balance that accepts the user account of payment does not change, and records the absolute payment amount that unenforced execution amount is this payment, enters step S7.
Step S7: notice pays successfully.
Step S12: notice pays unsuccessfully.
Step S8; The user account paying is initiated in monitoring, and the fund of having judged whether proceeds to, if otherwise repeating step S8, if yes then enter step S9.
Step S9: with the unenforced payment of this fund executive logging, the payment of balance that initiates the user account of payment increases the quantity of the fund proceeding to, and the payment of balance that accepts the user account of payment increases unenforced payment amount.Preferably, the order of the unenforced payment of executive logging is the priority order of the described user account of not carrying out the time of origin order paying or accepting to pay.
Fig. 3 is the structured flowchart according to first embodiment of the invention.
A kind of payment system 10 that is applicable to social networks, described social networks comprises a plurality of user accounts.Comprise as lower member:
Give the device 11 of each user account Yi Ge payment of balance, this payment of balance's initial value is zero.
First pays device 12, while initiating to pay to the user account of accepting to pay for the user account of initiating to pay when, if the payment of balance of the user account that this initiation pays is more than or equal to required payment amount, the payment of balance that initiates the user account of payment reduces required payment amount, the payment of balance that accepts the user account of payment increases required payment amount, and notice pays successfully
Second pays device 13, if the payment of balance of the user account paying for this initiation is less than required payment amount and is greater than zero, the payment of balance that initiates the user account of payment reduces required payment amount, the quantity that the payment of balance of the user account of acceptance payment increases completes the payment of balance before this payment for initiating the user account of payment, and the difference of the payment of balance that to record unenforced payment amount be required payment amount before completing this and pay with the user account of initiating to pay, notice pays successfully
The 3rd pays device 14, if the payment of balance of the user account paying for this initiation is less than or equal to zero, the payment of balance that initiates the user account of payment reduces required payment amount, the payment of balance that accepts the user account of payment does not change, and recording the absolute payment amount that unenforced execution amount is this payment, notice pays successfully.
Monitoring device 15, for monitoring the user account of initiating payment, when it has fund to proceed to, unenforced payment with this fund executive logging, the payment of balance that initiates the user account of payment increases the quantity of the fund proceeding to, and the payment of balance that accepts the user account of payment increases unenforced payment amount.
Preferably, can also comprise:
The first judgement device (not illustrating on figure), before paying device and the 3rd payment period in operation second, judges after payment of balance deducts required payment amount whether be more than or equal to lower limit, if do not met, notice pays unsuccessfully, termination process; And/or,
Can also comprise the second judgement device (not illustrating) on figure, for before moving the second payment device and the 3rd payment period, whether the absolute value of judgement payment lower limit is greater than the threshold value of the user account setting of accepting payment, if do not met, notice pays unsuccessfully, termination process.
Each embodiment in this instructions all adopts the mode of going forward one by one to describe, between each embodiment identical similar part mutually referring to, each embodiment stresses is the difference with other embodiment.Especially, for system embodiment, because it is substantially similar in appearance to embodiment of the method, so description is fairly simple, relevant part is referring to the part explanation of embodiment of the method.
Above-described embodiment of the present invention, does not form limiting the scope of the present invention.Any modification of doing within the spirit and principles in the present invention, be equal to and replace and improvement etc., within all should being included in protection scope of the present invention.
Claims (10)
1. be applicable to a method of payment for social networks, described social networks comprises a plurality of user accounts, it is characterized in that:
Step 1: give each user account Yi Ge payment of balance, this payment of balance's initial value is zero;
Step 2: when a user account of initiating to pay initiates to pay to the user account of accepting to pay, if the payment of balance of the user account that this initiation pays is more than or equal to required payment amount, the payment of balance that initiates the user account of payment reduces required payment amount, the payment of balance that accepts the user account of payment increases required payment amount, and notice pays successfully;
Step 3: if the payment of balance of the user account that this initiation pays is less than required payment amount and is greater than zero, the payment of balance that initiates the user account of payment reduces required payment amount, the quantity that the payment of balance of the user account of acceptance payment increases completes the payment of balance before this payment for initiating the user account of payment, and the difference of the payment of balance that to record unenforced payment amount be required payment amount before completing this and pay with the user account of initiating to pay, notice pays successfully;
Step 4: if the payment of balance of the user account that this initiation pays is less than or equal to zero, the payment of balance that initiates the user account of payment reduces required payment amount, the payment of balance that accepts the user account of payment does not change, and recording the absolute payment amount that unenforced execution amount is this payment, notice pays successfully;
Step 5: the user account paying is initiated in monitoring, when it has fund to proceed to, with the unenforced payment of this fund executive logging, the payment of balance that initiates the user account of payment increases the quantity of the fund proceeding to, and the payment of balance that accepts the user account of payment increases unenforced payment amount.
2. the method for claim 1, the order of the unenforced payment of the executive logging in step 5 is wherein the priority order of the described user account of not carrying out the time of origin order paying or accepting to pay.
3. as the method for claim 1-2 as described in any one, wherein, the service condition according to each user account in social networks, there is a lower limit in the payment of balance of each user account; The service condition of each described user account in social networks, comprises at least one in following content: pay close attention to quantity, this user account of the user account of this user account content distributed quantity, the quantity of being commented on by other user accounts, forward content quantity, log in quantity; The absolute value of the larger described lower limit of above-mentioned various quantity is larger.
4. method as claimed in claim 3, before step 2 and 3, judges after payment of balance deducts required payment amount whether be more than or equal to lower limit, if do not met, notice pays unsuccessfully, termination process; And/or,
Before step 2 and 3, whether the absolute value of judgement payment lower limit is greater than the threshold value of the user account setting of accepting payment, if do not met, notifies and pays unsuccessfully, termination process.
5. be applicable to a payment system for social networks, described social networks comprises a plurality of user accounts, it is characterized in that:
Give the device of each user account Yi Ge payment of balance, this payment of balance's initial value is zero;
First pays device, while initiating to pay to the user account of accepting to pay for the user account of initiating to pay when, if the payment of balance of the user account that this initiation pays is more than or equal to required payment amount, the payment of balance that initiates the user account of payment reduces required payment amount, the payment of balance that accepts the user account of payment increases required payment amount, and notice pays successfully;
Second pays device, if the payment of balance of the user account paying for this initiation is less than required payment amount and is greater than zero, the payment of balance that initiates the user account of payment reduces required payment amount, the quantity that the payment of balance of the user account of acceptance payment increases completes the payment of balance before this payment for initiating the user account of payment, and the difference of the payment of balance that to record unenforced payment amount be required payment amount before completing this and pay with the user account of initiating to pay, notice pays successfully;
The 3rd pays device, if the payment of balance of the user account paying for this initiation is less than or equal to zero, the payment of balance that initiates the user account of payment reduces required payment amount, the payment of balance that accepts the user account of payment does not change, and recording the absolute payment amount that unenforced execution amount is this payment, notice pays successfully;
Monitoring device, for monitoring the user account of initiating payment, when it has fund to proceed to, unenforced payment with this fund executive logging, the payment of balance that initiates the user account of payment increases the quantity of the fund proceeding to, and the payment of balance that accepts the user account of payment increases unenforced payment amount.
6. system as claimed in claim 5, the order of the unenforced payment of the executive logging in monitoring device is wherein the priority order of the described user account of not carrying out the time of origin order paying or accepting to pay.
7. as the system of claim 5-6 as described in any one, wherein, the service condition according to each user account in social networks, there is a lower limit in the payment of balance of each user account; The service condition of each described user account in social networks, comprises at least one in following content: pay close attention to quantity, this user account of the user account of this user account content distributed quantity, the quantity of being commented on by other user accounts, forward content quantity, log in quantity; The absolute value of the larger described lower limit of above-mentioned various quantity is larger.
8. system as claimed in claim 7, also comprises
The first judgement device, before paying device and the 3rd payment period in operation second, judges after payment of balance deducts required payment amount whether be more than or equal to lower limit, if do not met, notice pays unsuccessfully, termination process; And/or,
Also comprise the second judgement device, for before moving the second payment device and the 3rd payment period, whether the absolute value of judgement payment lower limit is greater than the threshold value of the user account setting of accepting payment, if do not met, notifies and pays unsuccessfully, termination process.
9. a payment system that is applicable to social networks, comprising:
One or more processors;
Storer; With
Program, wherein, this program is stored in storer and is configured to and is performed by described one or more processors, and this program comprises the instruction that realizes any one method in claim 1-4.
10. a computer program, comprising: computer-readable recording medium and embedding computer program mechanism wherein, this computer program mechanism comprises the instruction that realizes any one method in claim 1-4.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201310677714.1A CN103699990A (en) | 2013-12-13 | 2013-12-13 | Deferred payment method and system applied to social network |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201310677714.1A CN103699990A (en) | 2013-12-13 | 2013-12-13 | Deferred payment method and system applied to social network |
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| CN103699990A true CN103699990A (en) | 2014-04-02 |
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| CN201310677714.1A Pending CN103699990A (en) | 2013-12-13 | 2013-12-13 | Deferred payment method and system applied to social network |
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Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106503976A (en) * | 2015-09-08 | 2017-03-15 | 阿里巴巴集团控股有限公司 | Account application executes control method and system |
| CN106875189A (en) * | 2017-02-16 | 2017-06-20 | 深圳市八零年代网络科技有限公司 | Instant Withdrawing method and device |
| CN109598612A (en) * | 2018-10-16 | 2019-04-09 | 阿里巴巴集团控股有限公司 | The method and apparatus of resource seller's seven sale |
| CN110827009A (en) * | 2019-10-24 | 2020-02-21 | 支付宝(杭州)信息技术有限公司 | Fund transfer method and device based on account balance limit |
-
2013
- 2013-12-13 CN CN201310677714.1A patent/CN103699990A/en active Pending
Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106503976A (en) * | 2015-09-08 | 2017-03-15 | 阿里巴巴集团控股有限公司 | Account application executes control method and system |
| CN106875189A (en) * | 2017-02-16 | 2017-06-20 | 深圳市八零年代网络科技有限公司 | Instant Withdrawing method and device |
| CN109598612A (en) * | 2018-10-16 | 2019-04-09 | 阿里巴巴集团控股有限公司 | The method and apparatus of resource seller's seven sale |
| CN109598612B (en) * | 2018-10-16 | 2024-03-08 | 创新先进技术有限公司 | Method and device for resource delay delivery |
| CN110827009A (en) * | 2019-10-24 | 2020-02-21 | 支付宝(杭州)信息技术有限公司 | Fund transfer method and device based on account balance limit |
| CN110827009B (en) * | 2019-10-24 | 2023-04-04 | 支付宝(杭州)信息技术有限公司 | Fund transfer method and device based on account balance limit |
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