CN108492143A - A kind of data processing method and electronic equipment - Google Patents
A kind of data processing method and electronic equipment Download PDFInfo
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- CN108492143A CN108492143A CN201810271220.6A CN201810271220A CN108492143A CN 108492143 A CN108492143 A CN 108492143A CN 201810271220 A CN201810271220 A CN 201810271220A CN 108492143 A CN108492143 A CN 108492143A
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- Prior art keywords
- payment
- businessman
- gathering
- electronic equipment
- information
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- 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
- G06Q30/00—Commerce
- G06Q30/02—Marketing; Price estimation or determination; Fundraising
- G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
- G06Q30/0239—Online discounts or incentives
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
Abstract
The present invention provides a kind of data processing method and electronic equipment, method includes：Beneficiary information is obtained, the beneficiary information corresponds to a gathering businessman；First means of payment is automatically determined based on the beneficiary information；Wherein, if initiating the payment to the gathering businessman with first means of payment, payment amount is less than the amount payable in gathering the bought article of businessman；That is, the application realizes automatically determining for first means of payment to release news for being able to carry out gathering businessman, is manually selected without user, know in advance without user, improve user experience.
Description
Technical field
The present invention relates to technical field of information processing, more particularly to a kind of data processing method and electronics are set
It is standby.
Background technology
Currently, businessman in order to attract user, often does some advertising campaigns, and with the prevalence of e-payment, businessman
Also it can combine other platforms and carry out advertising campaign.Such as, user can carry out discount etc. using a certain specific payment platform.
In the prior art, only user learns that businessman cooperates with which platform in advance, can pay the bill
When manually select specific platform and pay the bill.
But this mode is not obviously intelligent high, and if user has not focused on the information of this respect, will be unable to
Obtain preferential, poor user experience.
Invention content
In view of this, a kind of data processing method of present invention offer and electronic equipment, to solve the above technical problems.
To achieve the above object, the present invention provides the following technical solutions：
A kind of data processing method, the method includes：
Beneficiary information is obtained, the beneficiary information corresponds to a gathering businessman；
First means of payment is automatically determined based on the beneficiary information；
Wherein, if initiating the payment to the gathering businessman with first means of payment, payment amount is less than
The amount payable of gathering the bought article of businessman.
Preferably, first means of payment includes the account of third party bank, then, if sent out with first means of payment
The payment to the gathering businessman is played, then the payment amount of the third party bank is less than in the bought article of the gathering businessman
Amount payable.
Preferably, described that first means of payment is automatically determined based on the beneficiary information, including：
Being determined based on the beneficiary information has the target bank for the execution permission of the gathering businessman to release news；
Determine the target payment platform that there is binding relationship with the account of the target bank；
The target payment platform is determined as first means of payment, and sets the third that the target payment platform uses
The account of Fang Yinhang is the account of the target bank.
Preferably, described that first means of payment is automatically determined based on the beneficiary information, including：
Being determined based on the beneficiary information has the target payment for the execution permission of the gathering businessman to release news
Platform；
The target payment platform is determined as first means of payment.
Preferably, further include：
Determine that the gathering businessman releases news including completely subtracting releasing news for type based on the beneficiary information, and
Determine the payment platform with the execution permission to release news for completely subtracting type or bank；
When the amount payable for the article bought in the gathering businessman is more than or equal to default amount payable, using described
First means of payment is paid the bill.
Preferably, further include：
Determine that described completely to subtract releasing news for type only related to the gathering businessman itself；
When the amount payable for the article bought in the gathering businessman is more than or equal to default amount payable, user is used
The means of payment of selection is paid the bill；
Wherein, the payment amount of the payment is less than the amount payable of bought article.
Preferably, when the dealing with less than the default amount payable of article that the gathering businessman is bought, it is based on institute
State the determining recommendation information that releases news for completely subtracting type；
Show the recommendation information.
Preferably, the acquisition beneficiary information includes：
Barcode scanning operation based on electronic equipment obtains beneficiary information；
Alternatively, obtaining the current geographic position of electronic equipment, beneficiary information is obtained based on the current geographic position；
Alternatively, receiving electronic equipment is presently in the beneficiary information that gathering businessman sends；
Alternatively, receiving the second electronic equipment is determining the beneficiary information sent when the electronic equipment triggering payment；
Alternatively, obtaining beneficiary information when the electronic equipment is triggered and paid.
A kind of electronic equipment, including：
Processor automatically determines first means of payment for obtaining beneficiary information based on the beneficiary information；Its
In, the beneficiary information corresponds to a gathering businessman；If paid the gathering businessman with first means of payment initiation
Money, then payment amount is less than the amount payable bought in the gathering businessman；
Memory, for storing the program run on the processor.
Preferably, first means of payment includes the account of third party bank, then, if sent out with first means of payment
The payment to the gathering businessman is played, then the payment amount of the third party bank is less than in the bought article of the gathering businessman
Amount payable.
It can be seen via above technical scheme that compared with prior art, an embodiment of the present invention provides a kind of data processings
Method can automatically determine first means of payment based on beneficiary information, also, using the payment gold of first means of payment payment
Volume is less than the amount payable of bought article, i.e. first means of payment is able to carry out releasing news for gathering businessman, that is to say, that
The application realizes automatically determining for first means of payment to release news for being able to carry out gathering businessman, is selected manually without user
It selects, knows in advance without user, improve user experience.
Description of the drawings
In order to more clearly explain the embodiment of the invention or the technical proposal in the existing technology, to embodiment or will show below
There is attached drawing needed in technology description to be briefly described, it should be apparent that, the accompanying drawings in the following description is only this
The embodiment of invention for those of ordinary skill in the art without creative efforts, can also basis
The attached drawing of offer obtains other attached drawings.
Fig. 1 is a kind of flow diagram of data processing method disclosed in the method for the present invention embodiment one；
Fig. 2 is a kind of flow diagram of data processing method disclosed in the method for the present invention embodiment two；
Fig. 3 is a kind of flow diagram of data processing method disclosed in the method for the present invention embodiment three；
Fig. 4 is a kind of flow diagram of data processing method disclosed in the method for the present invention example IV；
Fig. 5 is the structural schematic diagram of a kind of electronic equipment disclosed in apparatus of the present invention embodiment one.
Specific implementation mode
Following will be combined with the drawings in the embodiments of the present invention, and technical solution in the embodiment of the present invention carries out clear, complete
Site preparation describes, it is clear that described embodiments are only a part of the embodiments of the present invention, instead of all the embodiments.It is based on
Embodiment in the present invention, it is obtained by those of ordinary skill in the art without making creative efforts every other
Embodiment shall fall within the protection scope of the present invention.
The method of the present invention embodiment one discloses a kind of data processing method, as shown in Figure 1, this method includes following step
Suddenly：
Step 101：Obtain beneficiary information；
A kind of data processing method disclosed in the present application can be applied in electronic equipment, such as mobile phone, tablet computer, intelligence
Wrist-watch etc. has the terminal of mobile payment function.
Wherein, beneficiary information corresponds to a gathering businessman.Gathering businessman is after user buys article in its compass of competency
The object of Payment Amount ownership.
Gathering businessman can be businessman, such as supermarket of Wal-Mart, Wanda market on the spot.Such as, user is in supermarket of Wal-Mart
After having bought commodity, after cashier payment, Payment Amount belongs to supermarket of Wal-Mart.
Gathering businessman may be network businessman, such as day cat, Jingdone district.
Step 102：First means of payment is automatically determined based on beneficiary information.
In the present invention, beneficiary information includes at least gathering businessman and has the payment of incidence relation with gathering businessman
Platform or bank.For example, the beneficiary information obtained is that " supermarket of Wal-Mart takes Alipay by the hand and carries out advertising campaign, all to use branch
Paying the precious customer to pay the bill, can to enjoy 8 foldings preferential ", then the first payer can be automatically determined based on the beneficiary information
Formula is Alipay.
Wherein, if initiating the payment to the businessman that collects money with first means of payment, payment amount is less than in gathering businessman
The amount payable of bought article.
It is understood that payment amount be actual payment amount, and amount payable be should Payment Amount.For example, with
Family amount payable of purchase article in gathering businessman is 500 yuan, and is paid the bill according to first means of payment, and it is preferential to make a call to 8 foldings,
If that being paid the bill with first means of payment, then payment amount is 400 yuan, it is seen then that 400 yuan of payment amount is less than gathering businessman institute
Buy 500 yuan of the amount payable of article.
It should be noted that when based on Receiving information a variety of means of payment can be automatically determined, then system automatically determines
First means of payment if initiate to collect money businessman payment if its payment amount less than other means of payment initiate to gathering
The payment amount of the payment of businessman.That is, it is first that system, which can automatically determine the maximum means of payment of preferential dynamics,
The mode of paying.
After automatically determining first means of payment based on the Receiving information, in an alternative embodiment of the invention, Ke Yi
First means of payment is shown on electronic equipment, i.e., first means of payment is recommended as user so that user is excellent in payment
Choosing is paid the bill using first means of payment.
After automatically determining first means of payment based on the Receiving information, in still another embodiment of the process, work as satisfaction
When the terms of payment, directly paid the bill with first means of payment.
For example, user gets paying party information, and based on payment in the operation of triggering payment button after on-line shop does shopping
Square information determines first means of payment, due to having received the operation of triggering payment button before, works as and determines first
After the mode of paying, can directly it be paid the bill with first means of payment.
Alternatively, for another example after determining first means of payment based on paying party information, when receiving predetermined registration operation, directly
It is paid the bill with first means of payment.
Alternatively, when user selects a kind of operation that the means of payment is paid the bill after solid shop/brick and mortar store shopping, paying party letter is obtained
Breath, and determines first means of payment based on paying party information, when the means of payment that user selects is different from first means of payment, directly
It connects and is switched to first means of payment and pays the bill.
First means of payment in the application may refer to dodge for various electronic payment modes, such as Alipay, wechat, cloud
It pays, apple pay etc..
It can be seen that in the present embodiment, first means of payment can be automatically determined based on beneficiary information, also, use
The payment amount of first means of payment payment is less than the amount payable of bought article, i.e. first means of payment is able to carry out gathering
The sales promotion information of businessman's publication, that is to say, that the application realizes the first of the sales promotion information for being able to carry out gathering businessman's publication
Automatically determining for the means of payment, manually selects without user, knows in advance without user, improves user experience.
In the present invention, under a kind of mode, first means of payment may include the account of third party bank, then, if
The payment to the businessman that collects money is initiated with first means of payment, then the payment amount of third party bank is less than is bought in gathering businessman
The amount payable of article.
That is, the payment platform and the account foundation of third party bank corresponding to first means of payment have binding to close
System, when first means of payment initiates the payment to the businessman that collects money, the object actually paid the bill is third party bank.
Corresponding with this mode, the method for the present invention embodiment two discloses a kind of data processing method, as shown in Fig. 2,
A kind of data processing method includes the following steps：
Step 201：Obtain beneficiary information；
Wherein, beneficiary information corresponds to a gathering businessman.
Step 202：The execution permission to release news with the gathering businessman is determined based on the beneficiary information
Target bank；
Releasing news for gathering businessman includes the preferential strategy of gathering businessman's publication, has the publication letter of the gathering businessman
The target bank of the execution permission of breath be referred to as the account using target bank carry out payment can enjoy it is excellent in releasing news
Favour strategy.
When be capable of determining that target bank illustrate beneficiary information include with gathering businessman have incidence relation target silver
Row, it is to be understood that beneficiary information can include that releasing news for gathering businessman can not also include the hair of gathering businessman
Cloth information, releasing news not comprising gathering businessman have no effect on target bank and determine.
For example, beneficiary information is that " supermarket of Wal-Mart takes Bank of China by the hand and carries out advertising campaign, all to use Chinese Bank Card
It is preferential that the customer to pay the bill can enjoy 8 foldings ", then comprising releasing news in the beneficiary information, i.e., " 8 foldings are preferential ".And
If beneficiary information is " supermarket of Wal-Mart takes Bank of China by the hand and carries out advertising campaign ", do not wrapped then in the beneficiary information
Containing releasing news, also it is capable of determining that the target bank of the execution permission to release news with gathering businessman is in this case
Bank of China.
Step 203：Determine the target payment platform that there is binding relationship with the account of the target bank；
The payment platform of installation in electronic equipment can bind the account of various banks, then by electronic equipment
The target payment platform that there is binding relationship with the account of target bank is determined in payment platform.
For example, electronic equipment includes the first payment platform and the second payment platform, the first payment platform and Bank of China
Account binding, the account of the second payment platform and Construction Bank is bound, due to China silver performance-based objective bank, then can be true
Fixed first payment platform is target payment platform.
Step 204：The target payment platform is determined as first means of payment, and set the target payment platform to make
The account of third party bank is the account of the target bank；
Under this mode, if initiating the payment to the businessman that collects money, the payment gold of target bank with first means of payment
Volume is less than the amount payable in gathering the bought article of businessman.
And specific payment amount can be based on the execution permission that the Item Information and target bank bought have
It releases news to determine.
It should be noted that target payment platform there is a possibility that the account that binding has multiple third party banks, due to this
In embodiment, the account for being set the third party bank that target payment platform uses is the account of target bank, therefore, if
It initiates, to the payment for the businessman that collects money, can preferentially pay the bill using the account of target bank with first means of payment.Receipts herein
Money businessman is referred to as gathering businessman corresponding with beneficiary information, because the target bank in the present embodiment is believed based on beneficiary
Breath determination, then, only the first payer initiates the payment of gathering businessman corresponding to the beneficiary information, just can preferentially certainly
The dynamic account using target bank.
In an alternative embodiment of the invention, the target account type of target bank is also determined based on beneficiary information, then,
The Account Type of target bank bound in target payment platform is the target account type, and set target payment is flat
The type of the account for the third party bank that platform uses is the target account type.
That is, in practical applications, a bank may include a plurality of types of accounts, such as credit card, dodges and pays card
Deng, if gathering businessman only has cooperative relationship with the particular account type of target bank, then, user only uses the specific account
The account of the target bank of family type can enjoy privileges.
In the present invention, under another way, the payment platform corresponding to first means of payment can be initiated directly to receiving
The payment of money businessman, i.e. the payment amount of payment platform corresponding to first means of payment is less than gathering the bought article of businessman
Amount payable.
Corresponding with this mode, the method for the present invention embodiment three discloses a kind of data processing method, as shown in figure 3,
A kind of data processing method includes the following steps：
Step 301：Obtain beneficiary information；
Wherein, beneficiary information corresponds to a gathering businessman.
Step 302：The execution permission to release news with the gathering businessman is determined based on the beneficiary information
Target payment platform；
Releasing news for gathering businessman includes the preferential strategy of gathering businessman's publication, has the publication letter of the gathering businessman
The target payment platform of the execution permission of breath is referred to as carrying out during payment can enjoy and release news using target payment platform
Preferential strategy.
When be capable of determining that target payment platform illustrate beneficiary information include with gathering businessman have incidence relation mesh
Mark payment platform, it is to be understood that beneficiary information can include that releasing news for gathering businessman can not also include gathering
Businessman's releases news, and releasing news not comprising gathering businessman has no effect on target bank and determine.
For example, beneficiary information is that " supermarket of Wal-Mart takes Alipay by the hand and carries out advertising campaign, all to be paid using Alipay
It is preferential that the customer of money can enjoy 8 foldings ", then comprising releasing news in the beneficiary information, i.e., " 8 foldings are preferential ".And if received
Money side's information is " supermarket of Wal-Mart takes Alipay by the hand and carries out advertising campaign ", then not including publication letter in the beneficiary information then
Breath is also capable of determining that the target payment platform of the execution permission to release news with gathering businessman is payment in this case
It is precious.
Step 303：The target payment platform is determined as first means of payment.
Under this mode, if playing the payment to the businessman that collects money, the payment of target payment platform with first means of payment
Amount payable of the amount of money less than gathering the bought article of businessman.
And the right of execution that specific payment amount can be had based on the Item Information and target payment platform bought
Limit releases news to determine.
The method of the present invention example IV discloses a kind of data processing method, as shown in figure 4, a kind of data processing method packet
Include following steps：
Step 401：Obtain beneficiary information；
Wherein, beneficiary information corresponds to a gathering businessman；
Step 402：First means of payment is automatically determined based on the beneficiary information；
Wherein, if initiating the payment to the businessman that collects money with first means of payment, payment amount is less than in the gathering
The amount payable of the bought article of businessman.
Step 403：Determine that releasing news for the gathering businessman completely subtracts the publication letter of type based on the beneficiary information
Breath；
Step 404：Determine the payment platform with the execution permission to release news for completely subtracting type or bank；
In the present embodiment, beneficiary information includes gathering businessman and has the payment of incidence relation flat with gathering businessman
Platform or bank further include the type for releasing news and/or releasing news of gathering businessman.
It is understood that releasing news without the class including releasing news if beneficiary information includes the businessman that collects money
Type, then whether it is completely to subtract releasing news for type that releasing news based on gathering businessman is also capable of determining that this releases news.
Specifically when release news comprising preset special key word when, such as " full ", " subtracting ", " going ", determination release news for
Completely subtract releasing news for type.Such as completely subtract releasing news as " full 1000 subtract 200 " for type.
It can also determine to have based on beneficiary information simultaneously and completely subtract whether the execution permission of type to release news is branch
Pay platform or bank.It should be noted that if gathering businessman cooperates with payment platform or bank, to specified payment platform or bank
The execution permission to release news for completely subtracting type is authorized, then user can enjoy completely using specified payment platform or bank
Subtract preferential.
Step 405：When the amount payable for the article bought in gathering businessman is more than or equal to default amount payable, use
First means of payment is paid the bill.
When the amount payable for the article that gathering businessman is bought is more than or equal to default amount payable, illustrate that meeting full subtract wants
It asks, in this case, is paid the bill using first means of payment.It should be noted that first means of payment, which corresponds to have, completely subtracts type
The execution permission to release news payment platform or bank.
And the payment amount paid the bill using first means of payment can be based on completely subtracting releasing news and being bought for type
Item Information determine, the Item Information include at least bought article amount payable.
In the present embodiment, as a kind of realization method for obtaining Item Information, when obtaining beneficiary information, additionally it is possible to
The Item Information that user is bought in gathering businessman is got, so that judging collecting money based on the Item Information got
Whether the amount payable for all items that businessman is bought is more than or equal to default amount payable, if so, directly using the first payment
Mode is paid the bill.
As another realization method, user can obtain bought article using the scanning software on electronic equipment
Information is judged based on the Item Information got in gathering quotient when electronic equipment detects that user triggers the operation of payment
Whether the amount payable for all items that family is bought is more than or equal to default amount payable, if so, being paid using first means of payment
Money.It should be noted that scanning software may be payment software, if the payment software corresponds to first means of payment, electricity
Sub- equipment directly uses first means of payment to pay the bill, if the payment software does not correspond to first means of payment, electronic equipment
It is switched to the payment of first means of payment.
There are other to obtain the realization method for the amount payable of article that users are bought in gathering businessman, such as user certainly
Directly amount payable is inputted on an electronic device.Or for the article that user buys from network, electronic equipment can be obtained directly
The Item Information bought in gathering businessman is taken, this is within protection scope of the present invention.
In the present invention, gathering businessman subtract expiring of being issued type release news can also with payment platform or bank without
Close, that is to say, that user select any payment platform or bank can enjoy completely subtract it is preferential.Specifically, implementing in inventive method
In example five, after step 403, further include：
Step 406：It is only related to gathering businessman itself that determination completely subtracts releasing news for type；
In the present embodiment, beneficiary information includes gathering businessman, further includes releasing news or issuing for gathering businessman
The type of information.When do not point out there is the payment platform of incidence relation with gathering businessman in beneficiary information or when bank or
Explicitly point out release news only to gathering businessman it is related when, can determine completely subtract type release news only with gathering businessman's sheet
Body is related.
Step 407：When the amount payable for the article bought in the gathering businessman is more than or equal to default amount payable,
It is paid the bill using the means of payment that user selects.
When the amount payable for the article that gathering businessman is bought is more than or equal to default amount payable, illustrate that meeting full subtract wants
It asks, in this case, can be enjoyed due to the use of which kind of means of payment and completely subtract payer that is preferential, therefore being selected using user
Formula is paid the bill.
Wherein, the payment amount of payment is less than the amount payable of bought article.Specifically, payment amount can be based on completely
The amount payable for subtracting the article for releasing news and being bought of type determines.
In the method for the present invention embodiment six, a kind of method of data processing further includes：
When the dealing with less than the default amount payable of article that the gathering businessman is bought, completely subtract class based on described
The determining recommendation information that releases news of type, shows the recommendation information.
When the dealing with less than the default amount payable of article that the gathering businessman is bought, it may be determined that user works as
The article of preceding purchase can not enjoy completely subtract it is preferential, in this case, can be based on the determining recommendation that releases news for completely subtracting type
Breath is to show user.
It should be noted that if defining that only specified article can be enjoyed in the releasing news of type with completely subtracting
When completely subtracting preferential, then electronic equipment can be selected based on the Item Information Automatic sieve of acquisition meets answering for the article for completely subtracting requirement
Pay the amount of money.So, identified recommendation information is also to meet the recommendation information for completely subtracting requirement.
In the method for the present invention embodiment seven, it includes following several modes to obtain beneficiary information：
(1) the barcode scanning operation based on electronic equipment obtains beneficiary information.
In the prior art, when user, which has bought article, prepares checkout, cashier can scan the article of user's purchase, from
And the amount payable of Item Information and all items is generated, if user proposes to use e-payment, cashier can be with
It triggers Cash collecting equipment and generates the Receiving informations such as Quick Response Code or bar code, user can be paid using e-payment software barcode scanning
Money.
And in the present invention, gathering businessman can be when user be using e-payment software barcode scanning by the gathering for the businessman that collects money
The Item Information that square information and user are bought is sent to electronic equipment together so that electronic equipment is first based on beneficiary information
Determine first means of payment, if the software of barcode scanning operation corresponds to first means of payment, electronic equipment is directly with the
One means of payment is paid the bill, and if the software of barcode scanning operation does not correspond to first means of payment, electronic equipment can prompt
User's replacement is directly switch to first means of payment to first means of payment or electronic equipment and pays the bill.
Certainly, the present embodiment is also not limited to above application example, and gathering businessman can also be based only upon beneficiary information
Generate scanning information so that user can be scanned operation using electronic equipment to scanning information, to which electronic equipment obtains
Beneficiary information is then based on beneficiary information and determines first means of payment.
(2) current geographic position for obtaining electronic equipment obtains beneficiary information based on the current geographic position.
Under this mode, electronic equipment opens positioning function, to obtain electronic equipment current geographic position, to be based on
Current geographic position obtains beneficiary information.Specifically, it may be determined that whether the geographical indication of current geographic position is default class
The geographical indication of type, such as whether be shopping place, if so, the official website of geographical indication can be searched on electronic equipment, from
Beneficiary information is obtained in official website, specifically, as electronic equipment can be marked in the geography of web browser, designated software
The position acquisitions beneficiary information such as notification number of knowledge；Alternatively, publication of the electronic equipment in the various e-payment softwares of its installation
It is searched and the relevant beneficiary information of the geographical indication in information.
Above-mentioned geographical indication corresponds to gathering businessman.
(3) it receives electronic equipment and is presently in the beneficiary information that gathering businessman sends.
Under this mode, when electronic equipment is in the compass of competency of gathering businessman, gathering businessman can set to electronics
Standby automatic transmission beneficiary information, specifically, electronic equipment can receive receipts by the various reception modes such as short message, wechat, QQ
The beneficiary information that money businessman sends.
(4) it receives the second electronic equipment and is determining the beneficiary information sent when the electronic equipment triggering payment.
It should be noted that when electronic equipment triggering payment is referred to as preparing payment but also unfinished payment.
In the prior art, when user, which has bought article, prepares checkout, cashier can scan the article of user's purchase, from
And generate the amount payable of Item Information and all items.If user is proposed using e-payment, user can pass through
E-payment Software Create payment information, such as pays bar code or payment Quick Response Code leads to then cashier sets collection amount
Overscanning rifle scans the payment information, to realize gathering.Alternatively, if user proposes to pay using bank card, user can be with
By bank card close to card reader, then cashier sets collection amount, card reader can also be based on and realize gathering.
And in the present invention, gathering businessman sets beneficiary information using the second electronic equipment, is scanned by scanner
When payment information, beneficiary information is sent to electronic equipment.Or user by electronic equipment close to card reader, gathering businessman's profit
Beneficiary information is sent to electronic equipment with the second electronic equipment.
It should be noted that user is paid using the triggering of e-payment software, when the receipts for receiving the transmission of the second electronic equipment
Money side's information, and after determining first means of payment, if the software of triggering payment corresponds to first means of payment, electronics is set
It is standby that the second electronic equipment is allowed to collect money successfully.That is, before the second electronic equipment scans payment information by scanner, it can be with
Collection amount is set, is entered when scanner scans payment information and is waited for gathering pattern and set beneficiary information transmission electron
Standby, when electronic equipment allows the second electronic equipment to collect money successfully, the second electronic equipment is switched to gathering pattern and collects money.
And if the software of triggering payment does not correspond to first means of payment, electronic equipment is switched to the first payer
Formula, and control the corresponding payment platform of first means of payment and generate payment information, for gathering businessman's gathering.It should be noted that
Beneficiary information can also be sent to electronic equipment or the second electricity again by the second electronic equipment when re-starting scanning
Sub- equipment is when re-starting scanning, when determining that collection amount or Item Information do not change, then is not necessarily to believe beneficiary
Breath is sent to electronic equipment, but enters gathering pattern, directly collects money.
(5) beneficiary information is obtained when electronic equipment is triggered and paid.
It should be noted that when electronic equipment triggering payment is referred to as preparing payment but also unfinished payment.
This mode corresponds to the situation of user network shopping product, when user with on-line shop after buy article, is propped up when clicking
Fu Shi, electronic equipment obtain beneficiary information, to determine first means of payment based on beneficiary information, by first means of payment
Preferential recommendation is to user, or directly controls electronic equipment and paid the bill with first means of payment.
Corresponding with a kind of above-mentioned data processing method, the invention also discloses a kind of electronic equipment, below by way of several
Device embodiment is described in detail.
Apparatus of the present invention embodiment one discloses a kind of electronic equipment, which is such as mobile phone, tablet computer, intelligence
Bracelet etc. has the terminal of mobile payment function.As shown in figure 5, electronic equipment includes：Processor 100 and memory 200；Its
In：
Processor 100 automatically determines first means of payment for obtaining beneficiary information based on the beneficiary information.
Wherein, beneficiary information corresponds to a gathering businessman.Gathering businessman is after user buys article in its compass of competency
The object of Payment Amount ownership.
Gathering businessman can be businessman, such as supermarket of Wal-Mart, Wanda market on the spot.Such as, user is in supermarket of Wal-Mart
After having bought commodity, after cashier payment, Payment Amount belongs to supermarket of Wal-Mart.
Gathering businessman may be network businessman, such as day cat, Jingdone district.
In the present invention, beneficiary information includes at least gathering businessman and has the payment of incidence relation with gathering businessman
Platform or bank.If initiating the payment to the businessman that collects money with first means of payment, payment amount is less than in the gathering quotient
The amount payable that family is bought.Wherein, payment amount is actual payment amount, and amount payable be should Payment Amount.
Memory 200, for being stored in the program run on processor 100.
It should be noted that when based on Receiving information a variety of means of payment can be automatically determined, then processor 100 is used for
First means of payment automatically determined its payment amount if initiating the payment to the businessman that collects money is sent out less than other means of payment
Play the payment amount of the payment to the businessman that collects money.That is, processor 100 can automatically determine the maximum payment of preferential dynamics
Mode is first means of payment.
After automatically determining first means of payment based on the Receiving information, in an alternative embodiment of the invention, processor
For that can show first means of payment on an electronic device, i.e., first means of payment is recommended as user so that user
In payment, it is preferable to use the payments of first means of payment.
After automatically determining first means of payment based on the Receiving information, in still another embodiment of the process, processor
For when meeting the terms of payment, directly being paid the bill with first means of payment.
For example, user is in the operation of triggering payment button after on-line shop does shopping, processor gets paying party information, and base
First means of payment is determined in paying party information, due to having received the operation of triggering payment button before, is worked as and is determined
After first means of payment, can directly it be paid the bill with first means of payment.
Alternatively, for another example after processor determines first means of payment based on paying party information, when receiving predetermined registration operation
When, directly paid the bill with first means of payment.
Alternatively, when user selects a kind of operation that the means of payment is paid the bill after solid shop/brick and mortar store shopping, processor can obtain
Paying party information is got, and first means of payment is determined based on paying party information, when the means of payment of user's selection and first
The mode of paying is different, is directly switch to first means of payment and pays the bill.
First means of payment in the application may refer to dodge for various electronic payment modes, such as Alipay, wechat, cloud
It pays, apple pay etc..
It can be seen that in the present embodiment, first means of payment can be automatically determined based on beneficiary information, also, use
The payment amount of first means of payment payment is less than the amount payable of bought article, i.e. first means of payment is able to carry out gathering
The sales promotion information of businessman's publication, that is to say, that the application realizes the first of the sales promotion information for being able to carry out gathering businessman's publication
Automatically determining for the means of payment, manually selects without user, knows in advance without user, improves user experience.
In the present invention, under a kind of mode, first means of payment may include the account of third party bank, then, if
The payment to the businessman that collects money is initiated with first means of payment, then the payment amount of third party bank is less than is bought in gathering businessman
The amount payable of article.
That is, the payment platform and the account foundation of third party bank corresponding to first means of payment have binding to close
System, when first means of payment initiates the payment to the businessman that collects money, the object actually paid the bill is third party bank.
Corresponding with this mode, apparatus of the present invention embodiment two discloses a kind of electronic equipment, in the present embodiment, place
Reason device is used to automatically determine first means of payment based on the beneficiary information, specially：Processor is used to believe based on beneficiary
Breath determines the target bank with the execution permission of gathering businessman to release news, and determines that the account with the target bank has
The target payment platform is determined as first means of payment, and sets the target branch by the target payment platform of binding relationship
The account for paying the third party bank that platform uses is the account of the target bank.
Wherein, releasing news for businessman of collecting money includes the preferential strategy of gathering businessman's publication, has the gathering businessman's
The target bank of the execution permission to release news is referred to as carrying out paying the bill to enjoy using the account of target bank releasing news
In preferential strategy.
When be capable of determining that target bank illustrate beneficiary information include with gathering businessman have incidence relation target silver
Row, it is to be understood that beneficiary information can include that releasing news for gathering businessman can not also include the hair of gathering businessman
Cloth information, releasing news not comprising gathering businessman have no effect on target bank and determine.
The payment platform of installation in electronic equipment can bind the account of various banks, then by electronic equipment
The target payment platform that there is binding relationship with the account of target bank is determined in payment platform.If sent out with first means of payment
The payment to the businessman that collects money is played, then the payment amount of target bank is less than deals with gold in gathering the bought article of businessman
Volume.
Specifically, the hair for the execution permission that payment amount can be had based on the Item Information and target bank bought
Cloth information determines.
It should be noted that target payment platform there is a possibility that the account that binding has multiple third party banks, due to this
In embodiment, the account for being set the third party bank that target payment platform uses is the account of target bank, therefore, if
It initiates, to the payment for the businessman that collects money, can preferentially pay the bill using the account of target bank with first means of payment.Receipts herein
Money businessman is referred to as gathering businessman corresponding with beneficiary information, because the target bank in the present embodiment is believed based on beneficiary
Breath determination, then, only the first payer initiates the payment of gathering businessman corresponding to the beneficiary information, just can preferentially certainly
The dynamic account using target bank.
In an alternative embodiment of the invention, processor is also based on the target account that beneficiary information determines target bank
Type, then, the Account Type of the target bank bound in target payment platform is the target account type, and set
The type of the account for the third party bank that target payment platform uses is the target account type.
In the present invention, under another way, the payment platform corresponding to first means of payment can be initiated directly to receiving
The payment of money businessman, i.e. the payment amount of payment platform corresponding to first means of payment is less than gathering the bought article of businessman
Amount payable.
Corresponding with this mode, apparatus of the present invention embodiment three discloses a kind of electronic equipment, in the present embodiment, place
Reason device is used to automatically determine first means of payment based on the beneficiary information, specifically, processor is used to be based on the gathering
Square information determines the target payment platform with the execution permission of the gathering businessman to release news, and the target is paid flat
Platform is determined as first means of payment.
Releasing news for gathering businessman includes the preferential strategy of gathering businessman's publication, has the publication letter of the gathering businessman
The target payment platform of the execution permission of breath is referred to as carrying out during payment can enjoy and release news using target payment platform
Preferential strategy.
When be capable of determining that target payment platform illustrate beneficiary information include with gathering businessman have incidence relation mesh
Mark payment platform, it is to be understood that beneficiary information can include that releasing news for gathering businessman can not also include gathering
Businessman's releases news, and releasing news not comprising gathering businessman has no effect on target bank and determine.
Wherein, if playing the payment to the businessman that collects money with first means of payment, the payment amount of target payment platform is low
In the amount payable of gathering the bought article of businessman.And specifically, payment amount can based on the Item Information bought and
The execution permission that target payment platform has releases news to determine.
In apparatus of the present invention example IV, processor is additionally operable to when the publication for being determined gathering businessman based on beneficiary information
Information includes completely subtracting releasing news for type, and determine that the payment with the execution permission to release news for completely subtracting type is flat
When platform or bank, judge whether the amount payable of article bought in gathering businessman is more than or equal to default amount payable, if so,
It is paid the bill using first means of payment.
In the present embodiment, beneficiary information includes gathering businessman and has the payment of incidence relation flat with gathering businessman
Platform or bank further include the type for releasing news and/or releasing news of gathering businessman.
It is understood that releasing news without the class including releasing news if beneficiary information includes the businessman that collects money
Type, then whether it is completely to subtract releasing news for type that releasing news based on gathering businessman is also capable of determining that this releases news.
Specifically when release news comprising preset special key word when, such as " full ", " subtracting ", " going ", determination release news for
Completely subtract releasing news for type.Such as completely subtract releasing news as " full 1000 subtract 200 " for type.
It can also determine to have based on beneficiary information simultaneously and completely subtract whether the execution permission of type to release news is branch
Pay platform or bank.It should be noted that if gathering businessman cooperates with payment platform or bank, to specified payment platform or bank
The execution permission to release news for completely subtracting type is authorized, then user can enjoy completely using specified payment platform or bank
Subtract preferential.
When the amount payable for the article that gathering businessman is bought is more than or equal to default amount payable, illustrate that meeting full subtract wants
It asks, in this case, is paid the bill using first means of payment.It should be noted that first means of payment, which corresponds to have, completely subtracts type
The execution permission to release news payment platform or bank.
And the payment amount paid the bill using first means of payment can be based on completely subtracting releasing news and being bought for type
Item Information determine, the Item Information include at least bought article amount payable.
In the present embodiment, as a kind of realization method for obtaining Item Information, when obtaining beneficiary information, additionally it is possible to
The Item Information that user is bought in gathering businessman is got, so that judging collecting money based on the Item Information got
Whether the amount payable for all items that businessman is bought is more than or equal to default amount payable, if so, directly using the first payment
Mode is paid the bill.
As another realization method, user obtains bought article letter using the scanning software on electronic equipment
Breath is judged based on the Item Information got in gathering businessman when electronic equipment detects that user triggers the operation of payment
Whether the amount payable for all items bought is more than or equal to default amount payable, if so, being paid the bill using first means of payment.
It should be noted that scanning software may be payment software, if the payment software corresponds to first means of payment, electronics is set
It is standby directly first means of payment to be used to pay the bill, if the payment software does not correspond to first means of payment, electronic equipment switching
It pays the bill to first means of payment.
There are other to obtain the realization method for the amount payable of article that users are bought in gathering businessman, such as user certainly
Directly amount payable is inputted on an electronic device.Or for the article that user buys from network, electronic equipment can be obtained directly
The Item Information bought in gathering businessman is taken, this is within protection scope of the present invention.
In the present invention, gathering businessman subtract expiring of being issued type release news can also with payment platform or bank without
Close, that is to say, that user select any payment platform or bank can enjoy completely subtract it is preferential.Specifically exist, in apparatus of the present invention reality
Shi Liuzhong, processor are additionally operable to believe including completely subtracting the publication of type when based on releasing news for beneficiary information determination gathering businessman
Breath, and determine it is described completely subtract when releasing news only related to the gathering businessman itself of type, judge collect money businessman purchased
Whether the amount payable for the article bought is more than or equal to default amount payable, if so, being paid the bill using the means of payment that user selects；
Wherein, the payment amount of the payment is less than the amount payable of bought article.
In the present embodiment, beneficiary information includes gathering businessman, further includes releasing news or issuing for gathering businessman
The type of information.When do not point out there is the payment platform of incidence relation with gathering businessman in beneficiary information or when bank or
Explicitly point out release news only to gathering businessman it is related when, can determine completely subtract type release news only with gathering businessman's sheet
Body is related.
When the amount payable for the article that gathering businessman is bought is more than or equal to default amount payable, illustrate that meeting full subtract wants
It asks, in this case, can be enjoyed due to the use of which kind of means of payment and completely subtract payer that is preferential, therefore being selected using user
Formula is paid the bill.
In apparatus of the present invention embodiment six, processor is additionally operable to when dealing with for the article that the gathering businessman is bought is small
When the default amount payable, based on the determining recommendation information that releases news for completely subtracting type, the recommendation information is shown.
When the dealing with less than the default amount payable of article that the gathering businessman is bought, it may be determined that user works as
The article of preceding purchase can not enjoy completely subtract it is preferential, in this case, can be based on the determining recommendation that releases news for completely subtracting type
Breath is to show user.
It should be noted that if defining that only specified article can be enjoyed in the releasing news of type with completely subtracting
When completely subtracting preferential, then electronic equipment can be selected based on the Item Information Automatic sieve of acquisition meets answering for the article for completely subtracting requirement
Pay the amount of money.So, identified recommendation information is also to meet the recommendation information for completely subtracting requirement.
In apparatus of the present invention embodiment seven, processor includes following several for obtaining the mode of beneficiary information：
(1) processor obtains beneficiary information for the barcode scanning operation based on electronic equipment.
In the prior art, when user, which has bought article, prepares checkout, cashier can scan the article of user's purchase, from
And the amount payable of Item Information and all items is generated, if user proposes to use e-payment, cashier can be with
It triggers Cash collecting equipment and generates the Receiving informations such as Quick Response Code or bar code, user can be paid using e-payment software scans
Money.
And in the present invention, gathering businessman can be when user be using e-payment software barcode scanning by the gathering for the businessman that collects money
The Item Information that square information and user are bought is sent to electronic equipment together so that electronic equipment is first based on beneficiary information
Determine first means of payment, if the software of barcode scanning operation corresponds to first means of payment, electronic equipment is directly with the
One means of payment is paid the bill, and if the software of barcode scanning operation does not correspond to first means of payment, electronic equipment can prompt
User's replacement is directly switch to first means of payment to first means of payment or electronic equipment and pays the bill.
Certainly, the present embodiment is also not limited to above application example, and gathering businessman can also be based only upon beneficiary information
Generate scanning information so that user can be scanned operation using electronic equipment to scanning information, be received to which processor obtains
Money side's information is then based on beneficiary information and determines first means of payment.
(2) current geographic position for obtaining electronic equipment obtains beneficiary information based on the current geographic position.
Under this mode, electronic equipment opens positioning function, to obtain electronic equipment current geographic position, to be based on
Current geographic position obtains beneficiary information.Specifically, processor can determine current geographic position geographical indication whether be
The geographical indication of preset kind, such as whether being shopping place, if so, official's net of geographical indication can be searched on electronic equipment
It stands, beneficiary information is obtained from official website, specifically, such as can be in web browser, the geographical indication of designated software
The position acquisitions beneficiary information such as notification number；Alternatively, the upper lookup that releases news of the various e-payment softwares in its installation
With the relevant beneficiary information of the geographical indication.
Above-mentioned geographical indication corresponds to gathering businessman.
(3) it receives electronic equipment and is presently in the beneficiary information that gathering businessman sends.
Under this mode, when electronic equipment is in the compass of competency of gathering businessman, gathering businessman can set to electronics
Standby automatic transmission beneficiary information, specifically, electronic equipment can receive receipts by the various reception modes such as short message, wechat, QQ
The beneficiary information that money businessman sends.
(4) it receives the second electronic equipment and is determining the beneficiary information sent when the electronic equipment triggering payment.
It should be noted that when electronic equipment triggering payment is referred to as preparing payment but also unfinished payment.
In the prior art, when user, which has bought article, prepares checkout, cashier can scan the article of user's purchase, from
And generate the amount payable of Item Information and all items.If user is proposed using e-payment, user can pass through
E-payment Software Create payment information, such as pays bar code or payment Quick Response Code leads to then cashier sets collection amount
Overscanning rifle scans the payment information, to realize gathering.Alternatively, if user proposes to pay using bank card, user can be with
By bank card close to card reader, then cashier sets collection amount, card reader can also be based on and realize gathering.
And in the present invention, gathering businessman sets beneficiary information using the second electronic equipment, is scanned by scanner
When payment information, beneficiary information is sent to electronic equipment.Or user by electronic equipment close to card reader, gathering businessman's profit
Beneficiary information is sent to electronic equipment with the second electronic equipment.
It should be noted that user is paid using the triggering of e-payment software, when the receipts for receiving the transmission of the second electronic equipment
Money side's information, and after determining first means of payment, if the software of triggering payment corresponds to first means of payment, electronics is set
It is standby that the second electronic equipment is allowed to collect money successfully.That is, before the second electronic equipment scans payment information by scanner, it can be with
Collection amount is set, is entered when scanner scans payment information and is waited for gathering pattern and set beneficiary information transmission electron
Standby, when electronic equipment allows the second electronic equipment to collect money successfully, the second electronic equipment is switched to gathering pattern and collects money.
And if the software of triggering payment does not correspond to first means of payment, electronic equipment is switched to the first payer
Formula, and control the corresponding payment platform of first means of payment and generate payment information, for gathering businessman's gathering.It should be noted that
Beneficiary information can also be sent to electronic equipment or the second electricity again by the second electronic equipment when re-starting scanning
Sub- equipment is when re-starting scanning, when determining that collection amount or Item Information do not change, then is not necessarily to believe beneficiary
Breath is sent to electronic equipment, but enters gathering pattern, directly collects money.
(5) beneficiary information is obtained when the electronic equipment is triggered and paid.
It should be noted that when electronic equipment triggering payment is referred to as accurately payment but does not complete payment also.
This mode corresponds to the situation of user network shopping product, when user is after on-line shop buy article, when clicking payment
When, electronic equipment obtains beneficiary information, to determine first means of payment based on beneficiary information, first means of payment is excellent
User is first recommended, or directly controls electronic equipment and is paid the bill with first means of payment.
Each embodiment is described by the way of progressive in this specification, the highlights of each of the examples are with other
The difference of embodiment, just to refer each other for identical similar portion between each embodiment.For device disclosed in embodiment
For, since it is corresponded to the methods disclosed in the examples, so description is fairly simple, related place is said referring to method part
It is bright.
The foregoing description of the disclosed embodiments enables those skilled in the art to implement or use the present invention.
Various modifications to these embodiments will be apparent to those skilled in the art, as defined herein
General Principle can be realized in other embodiments without departing from the spirit or scope of the present invention.Therefore, of the invention
It is not intended to be limited to the embodiments shown herein, and is to fit to and the principles and novel features disclosed herein phase one
The widest range caused.
Claims (10)
1. a kind of data processing method, which is characterized in that the method includes：
Beneficiary information is obtained, the beneficiary information corresponds to a gathering businessman；
First means of payment is automatically determined based on the beneficiary information；
Wherein, if initiating the payment to the gathering businessman with first means of payment, payment amount is less than described
The amount payable of gathering the bought article of businessman.
2. according to the method described in claim 1, it is characterized in that, first means of payment includes the account of third party bank
Family, then, if initiating the payment to the gathering businessman, the payment amount of the third party bank with first means of payment
Less than the amount payable in gathering the bought article of businessman.
3. according to the method described in claim 2, it is characterized in that, described automatically determine first based on the beneficiary information
The mode of paying, including：
Being determined based on the beneficiary information has the target bank for the execution permission of the gathering businessman to release news；
Determine the target payment platform that there is binding relationship with the account of the target bank；
The target payment platform is determined as first means of payment, and sets third party's silver that the target payment platform uses
Capable account is the account of the target bank.
4. according to the method described in claim 1, it is characterized in that, described automatically determine first based on the beneficiary information
The mode of paying, including：
Being determined based on the beneficiary information has the target payment platform for the execution permission of the gathering businessman to release news；
The target payment platform is determined as first means of payment.
5. according to the method described in claim 1, it is characterized in that, further including：
The releasing news including completely subtracting releasing news for type of the gathering businessman is determined based on the beneficiary information, and is determined
Payment platform with the execution permission to release news for completely subtracting type or bank；
When the amount payable for the article bought in the gathering businessman is more than or equal to default amount payable, described first is used
The means of payment is paid the bill.
6. according to the method described in claim 5, it is characterized in that, further including：
Determine that described completely to subtract releasing news for type only related to the gathering businessman itself；
When the amount payable for the article bought in the gathering businessman is more than or equal to default amount payable, selected using user
The means of payment payment；
Wherein, the payment amount of the payment is less than the amount payable of bought article.
7. method according to claim 5 or 6, which is characterized in that when dealing with for the article that the gathering businessman is bought
When less than the default amount payable, based on the determining recommendation information that releases news for completely subtracting type；
Show the recommendation information.
8. according to the method described in claim 1, it is characterized in that, the acquisition beneficiary information includes：
Barcode scanning operation based on electronic equipment obtains beneficiary information；
Alternatively, obtaining the current geographic position of electronic equipment, beneficiary information is obtained based on the current geographic position；
Alternatively, receiving electronic equipment is presently in the beneficiary information that gathering businessman sends；
Alternatively, receiving the second electronic equipment is determining the beneficiary information sent when the electronic equipment triggering payment；
Alternatively, obtaining beneficiary information when the electronic equipment is triggered and paid.
9. a kind of electronic equipment, which is characterized in that including：
Processor automatically determines first means of payment for obtaining beneficiary information based on the beneficiary information；Wherein, institute
It states beneficiary information and corresponds to a gathering businessman；If initiating the payment to the gathering businessman with first means of payment,
Payment amount is less than the amount payable bought in the gathering businessman；
Memory, for storing the program run on the processor.
10. electronic equipment according to claim 9, which is characterized in that first means of payment includes third party bank
Account, then, if with first means of payment initiate to it is described gathering businessman payment, the payment of the third party bank
The amount of money is less than the amount payable in gathering the bought article of businessman.
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