CN111178865A - Payment method and device - Google Patents
Payment method and device Download PDFInfo
- Publication number
- CN111178865A CN111178865A CN201911405097.3A CN201911405097A CN111178865A CN 111178865 A CN111178865 A CN 111178865A CN 201911405097 A CN201911405097 A CN 201911405097A CN 111178865 A CN111178865 A CN 111178865A
- Authority
- CN
- China
- Prior art keywords
- payment
- information
- target
- account
- discount
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Images
Classifications
-
- 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
- G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer
-
- 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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/387—Payment using discounts or coupons
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Engineering & Computer Science (AREA)
- Theoretical Computer Science (AREA)
- Finance (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The embodiment of the invention discloses a payment method and a device, wherein the method comprises the following steps: in response to a payment request of a customer, acquiring payment account information, payment information and discount information of at least one user associated with the payment request; selecting a target payment account group from the payment accounts of the at least one user associated with the payment request based on the offer information and the payment information; the set of target payment accounts includes at least one payment account of the user; and adopting the target account group to respond to the payment request to carry out payment settlement. Therefore, the method for automatically selecting the most favorable payment mode for the customer is realized, and the aim of responding one payment request by a plurality of payment accounts is fulfilled in order to bring the customer with the maximum benefit.
Description
Technical Field
The invention relates to the field of finance, in particular to a payment method and a payment device.
Background
With the development of cashless payment methods, customers usually select cashless transactions when performing online or offline transactions. However, in the case where the customer has a plurality of payment channels, for example, a plurality of bank cards, payment instruments, WeChat payment channels, and the like, the user cannot determine which payment method is most preferable to the user.
Disclosure of Invention
In view of this, the embodiment of the invention discloses a payment method and a payment device, which solve the problem that the most favorable payment mode cannot be selected in the prior art.
The embodiment of the invention provides a payment method, which comprises the following steps:
in response to a payment request of a customer, acquiring at least one payment account information, payment information and discount information associated with the payment request;
selecting a target payment account group from at least one payment account associated with the payment request based on the offer information and the payment information; the set of target payment accounts includes at least one payment account;
and adopting the target account group to respond to the payment request to carry out payment settlement.
Optionally, the selecting a target account group from the accounts of the at least one user associated with the payment request based on the offer information and the payment information includes:
inputting at least one payment account information, payment information and discount information associated with the payment request into a payment analysis model to obtain a target account group; the payment analysis model is obtained by training at least one payment account information, payment information and discount information of a user, and the trained payment model represents the incidence relation between the payment account information, the payment information and the discount information and a target account group for payment.
Optionally, the target payment account is a payment combination that is most preferred for the user.
Optionally, the method further includes:
acquiring payment account information, payment information and preference information of a user;
determining a second targeted payment account group based on the payment information and the offer information;
optimizing the payment analysis model based on the second set of targeted payment accounts.
Optionally, the method further includes:
acquiring a target preferential mode; the target discount mode is a user-selected discount mode or a default discount mode;
the target offer is used to determine a target payment account group.
The embodiment of the invention also discloses a payment device, which comprises:
the system comprises an acquisition unit, a payment processing unit and a payment processing unit, wherein the acquisition unit is used for responding to a payment request of a client and acquiring at least one piece of payment account information, payment information and discount information associated with the payment request;
a target account group determination unit for selecting a target payment account group from at least one payment account associated with the payment request based on the coupon information and the payment information; the set of target payment accounts includes at least one payment account;
and the settlement unit is used for responding to the payment request by adopting the target account group and performing payment settlement.
Optionally, the target-account-group determining unit includes:
the target account group determination subunit is used for inputting at least one piece of payment account information, payment information and discount information associated with the payment request into a payment analysis model to obtain a target account group; the payment analysis model is obtained by training at least one payment account information, payment information and discount information of a user, and the trained payment model represents the incidence relation between the payment account information, the payment information and the discount information and a target account group for payment.
Optionally, the target payment account is a payment combination preferential to the user.
Optionally, the method further includes:
the acquisition subunit is used for acquiring payment account information, payment information and preference information of the user;
a second determining subunit, configured to determine a second target payment account group based on the payment information and the offer information;
and the payment analysis model optimizing subunit is used for optimizing the payment analysis model based on the second target payment account group.
Optionally, the method further includes:
the second acquisition subunit is used for acquiring the target discount mode; the target discount mode is a user-selected discount mode or a default discount mode;
and the third determining subunit is used for determining the target payment account group according to the target preferential manner.
The embodiment of the invention discloses a payment method, which comprises the following steps: in response to a payment request of a customer, acquiring payment account information, payment information and discount information of at least one user associated with the payment request; selecting a target payment account group from the payment accounts of the at least one user associated with the payment request based on the offer information and the payment information; the set of target payment accounts includes at least one payment account of the user; and adopting the target account group to respond to the payment request to carry out payment settlement. Therefore, the method for automatically selecting the optimal payment mode for the client is realized, and the aim of responding to one payment request by adopting a plurality of payment accounts is also realized, so that the optimal payment mode can be selected for the client.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the provided drawings without creative efforts.
Fig. 1 is a schematic flow chart illustrating a payment method according to an embodiment of the present invention;
FIG. 2 is a schematic flow chart of a payment method provided by an embodiment of the invention;
fig. 3 shows a schematic structural diagram of a payment device provided in an embodiment of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
Referring to fig. 1, a schematic flow chart of a payment method provided in an embodiment of the present invention is shown, where the method includes:
s101: in response to a payment request of a customer, acquiring at least one payment account information, payment information and discount information associated with the payment request;
in this embodiment, the payment account associated with the request may be understood as an account bound to the payment request, for example, if the payment request is from a certain merchant, the account associated with the payment request may be an account bound to the merchant; or the payment request is from a certain payment platform, the account associated with the payment request can be an account bound with the payment platform.
The payment account of the user may include a bank card account (including a debit card account and a credit card account) under the user name, a third party payment platform account, and the like.
The account information may include some basic information of the account, which is not limited in this implementation, and may include, for example: account asset status, account attributes (such as debit card, credit card, or third party payment platform), etc., and if the account attributes are credit card, the payment date may also be included.
The payment information includes: payment amount, etc.
The offer information includes: the user's payment account may include offer information that the user's payment account collaborates with a third party platform or merchant that initiated the payment request, or some offer (full deactivation or loyalty offer) that the payment account itself has initiated.
S102: selecting a target account group from payment accounts of at least one user associated with the payment request based on the offer information and the payment information; the set of target payment accounts includes at least one payment account of the user;
in this embodiment, in order to obtain the maximum payment privilege for the user, the payment method is determined by combining the privilege information and the payment information corresponding to each payment account, and the target payment account group for payment is determined.
The target account group may include at least one payment account, and the determining of the target account group may include the following several ways:
in the first mode, a target account group preset for payment comprises an account:
and selecting one optimal payment account from all payment accounts based on the preference information and the payment information of each payment account.
The method comprises the steps that a target account group for payment of a user is preset to comprise a plurality of accounts;
and combining all payment accounts based on the discount information and the payment information of each payment account, acquiring discount results corresponding to different combination modes, and selecting an optimal combination mode as a target payment account.
Wherein, the number of the plurality of preset accounts can be set by the user based on actual conditions.
In this embodiment, the most favorable principle may be that the end user is paid the least amount of money or that the user benefits the most, for example, for a payment credit exchange activity, the payment account with the most credits earned.
Wherein, under the condition of having multiple preferential conditions, several preferential principles as follows can be included:
1. the user selects in advance which kind of preferential conditions to adopt:
for example, the following steps are carried out: the preferential conditions comprise: under the condition that the sum of money is fully reduced or the integral is converted, the user can select the preferential condition that the full reduction force degree is maximum or the integral is obtained to be maximum as the preferential principle.
2. Comparing all the preferential conditions, and selecting the preferential condition which enables the user to gain the most profit:
for example, the following steps are carried out: the preferential conditions comprise: in the case of the full reduction of the amount of money or the conversion of the point, the point may be converted into the preferential amount, and the preferential amount calculated under the full reduction preferential condition and the preferential amount obtained by the point conversion are compared, and the higher preferential amount is used as the following preferential principle.
In practical application, the method for determining the preferential condition by the system can be determined in the following manner:
acquiring a target preferential mode; the target discount mode is a user-selected discount mode or a default discount mode;
the target offer mode is used for determining a target account group.
The default preferential mode may be a preset preferential mode.
In this embodiment, based on the most favorable principle, many ways to select the target account group are included, and this embodiment is not limited.
Preferably, the present embodiment provides an implementation manner as follows:
inputting at least one payment account information, payment information and discount information associated with the payment request into a payment analysis model to obtain a target account group;
the payment model is obtained by training at least one payment account information, payment information and discount information of the user, and the trained payment model represents the incidence relation between the payment account information, the payment information and the discount information and a target account group paid by the user.
In this embodiment, the method will be described in detail below, and will not be described in detail in this embodiment.
S103: and adopting the target account group to respond to the payment request to carry out payment settlement.
In this embodiment, the determined target payment account includes at least one payment account, and when the target payment account includes a plurality of payment accounts, a payment amount may be allocated to each of the plurality of payment accounts.
At the time of payment, payment settlement is performed based on the payment amount of each payment account.
In the embodiment, in response to a payment request of a customer, payment account information, payment information and preference information of at least one user associated with the payment request are acquired; selecting a target payment account group from the payment accounts of the at least one user associated with the payment request based on the offer information and the payment information; the set of target payment accounts includes at least one payment account of the user; and adopting the target account group to respond to the payment request to carry out payment settlement. Therefore, the method for automatically selecting the optimal payment mode for the client is realized, and the aim of responding to one payment request by adopting a plurality of payment accounts is also realized, so that the optimal payment mode can be selected for the client.
Referring to fig. 2, there is shown another schematic flow chart of a payment method provided in an embodiment of the present invention, where the method includes:
s201: in response to a payment request of a customer, acquiring at least one payment account information, payment information and discount information associated with the payment request;
in this embodiment, the step S201 is the same as the scheme of the step S101 described above, and is not described again in this embodiment.
S202: inputting at least one payment account information, payment information and discount information associated with the payment request into a payment analysis model to obtain a target account group; the payment analysis model is obtained by training at least one payment account information, payment information and discount information of a user, and the trained payment model represents the incidence relation between the payment account information, the payment information and the discount information and a target account group for payment;
in this embodiment, the payment analysis model may include multiple types, which is not limited in this embodiment, and may be, for example, a deep convolutional neural network, a genetic algorithm, or any machine learning model based on big data.
In this embodiment, the training samples for training the payment analysis model include: payment account information, payment information, and some offer information.
The principle followed by the training is also an output result, namely, the output target account group is an account group or a combination of a plurality of payment accounts which can lead the user to obtain the maximum benefit.
After training is completed, a payment analysis model representing the incidence relation between the account information, the payment information and the preferential information and the target account group for payment can be obtained.
In practical application, after the payment account information, the payment information and the offer information are input in the payment analysis model, a payment account or a combination of a plurality of payment accounts which enables the user to obtain the maximum offer or the larger offer can be obtained.
S203: and adopting the target account group to respond to the payment request to carry out payment settlement.
In this embodiment, S203 is the same as S102, and is not described again in this embodiment.
In the embodiment, at least one payment account for payment is selected for the customer through the trained payment analysis model, so that the target account group for payment can be rapidly determined, and the obtained result is more accurate.
Further, because the offer information is continuously changed, some new offer conditions always appear, in this case, the payment analysis model may not analyze the new offer conditions, and in order to apply another trained payment analysis model to the new offer conditions, the payment analysis model may be optimized based on the new offer conditions, which specifically includes:
acquiring account information, payment information and preference information of a user;
determining a second target account group based on the payment information and the offer information;
optimizing the payment analysis model based on the second set of target accounts.
In this implementation, the second target account group may be a combination of different payment accounts determined based on the new offer condition and the corresponding payment information.
Referring to fig. 3, a schematic structural diagram of a payment apparatus provided in an embodiment of the present invention is shown, and in this embodiment, the apparatus includes:
an obtaining unit 301, configured to obtain, in response to a payment request of a customer, at least one payment account information, payment information, and offer information associated with the payment request;
a target account group determination unit 302 for selecting a target payment account group from at least one payment account associated with the payment request based on the coupon information and the payment information; the set of target payment accounts includes at least one payment account;
and a settlement unit 303, configured to respond to the payment request with the target account group, and perform payment settlement.
Optionally, the target-account-group determining unit includes a target-account-group determining unit, which includes:
the target account group determination subunit is used for inputting at least one piece of payment account information, payment information and discount information associated with the payment request into a payment analysis model to obtain a target account group; the payment analysis model is obtained by training at least one payment account information, payment information and discount information of a user, and the trained payment model represents the incidence relation between the payment account information, the payment information and the discount information and a target account group for payment.
Optionally, the target payment account is a payment combination preferential to the user.
Optionally, the method further includes:
the acquisition subunit is used for acquiring payment account information, payment information and preference information of the user;
a second determining subunit, configured to determine a second target payment account group based on the payment information and the offer information;
and the payment analysis model optimizing subunit is used for optimizing the payment analysis model based on the second target payment account group.
Optionally, the method further includes:
the second acquisition subunit is used for acquiring the target discount mode; the target discount mode is a user-selected discount mode or a default discount mode;
and the third determining subunit is used for determining the target payment account group according to the target preferential manner.
By the device of the embodiment, in response to a payment request of a customer, the payment account information, the payment information and the discount information of at least one user associated with the payment request are acquired; selecting a target payment account group from the payment accounts of the at least one user associated with the payment request based on the offer information and the payment information; the set of target payment accounts includes at least one payment account of the user; and adopting the target account group to respond to the payment request to carry out payment settlement. Therefore, the method for automatically selecting the optimal payment mode for the client is realized, and the embodiment also realizes that a plurality of payment accounts are adopted to respond to one payment request, so that the optimal payment mode can be selected for the client.
It should be noted that, in the present specification, the embodiments are all described in a progressive manner, each embodiment focuses on differences from other embodiments, and the same and similar parts among the embodiments may be referred to each other.
The previous description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present invention. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the invention. Thus, the present invention is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.
Claims (10)
1. A payment method, comprising:
in response to a payment request of a customer, acquiring at least one payment account information, payment information and discount information associated with the payment request;
selecting a target payment account group from at least one payment account associated with the payment request based on the offer information and the payment information; the set of target payment accounts includes at least one payment account;
and adopting the target account group to respond to the payment request to carry out payment settlement.
2. The method of claim 1, wherein selecting a target account group from the at least one account associated with the payment request based on the offer information and the payment information comprises:
inputting at least one payment account information, payment information and discount information associated with the payment request into a payment analysis model to obtain a target account group; the payment analysis model is obtained by training at least one payment account information, payment information and discount information, and the trained payment model represents the incidence relation between the payment account information, the payment information and the discount information and a target account group for payment.
3. The method of claim 1 or 2, wherein the target payment account is a payment combination that is most preferred for the user.
4. The method of claim 2, further comprising:
acquiring payment account information, payment information and preference information of a user;
determining a second targeted payment account group based on the payment information and the offer information;
optimizing the payment analysis model based on the second set of targeted payment accounts.
5. The method of claim 1, further comprising:
acquiring a target preferential mode; the target discount mode is a user-selected discount mode or a default discount mode;
the target offer is used to determine a target payment account group.
6. A payment device, comprising:
the system comprises an acquisition unit, a payment processing unit and a payment processing unit, wherein the acquisition unit is used for responding to a payment request of a client and acquiring payment account information, payment information and discount information of at least one user associated with the payment request;
a target account group determination unit for selecting a target payment account group from payment accounts of at least one user associated with the payment request based on the coupon information and the payment information; the set of target payment accounts includes at least one payment account of the user;
and the settlement unit is used for responding to the payment request by adopting the target account group and performing payment settlement.
7. The apparatus of claim 6, wherein the target-account-group determining unit comprises:
the target account group determination subunit is used for inputting the payment account information, the payment information and the discount information of at least one user associated with the payment request into a payment analysis model to obtain a target account group; the payment analysis model is obtained by training at least one payment account information, payment information and discount information of a user, and the trained payment model represents the incidence relation between the payment account information, the payment information and the discount information and a target account group for payment.
8. The apparatus of claim 6 or 7, wherein the target payment account is a combination of payments preferential to the user.
9. The apparatus of claim 7, further comprising:
the acquisition subunit is used for acquiring payment account information, payment information and preference information of the user;
a second determining subunit, configured to determine a second target payment account group based on the payment information and the offer information;
and the payment analysis model optimizing subunit is used for optimizing the payment analysis model based on the second target payment account group.
10. The apparatus of claim 6, further comprising:
the second acquisition subunit is used for acquiring the target discount mode; the target discount mode is a user-selected discount mode or a default discount mode;
and the third determining subunit is used for determining the target payment account group according to the target preferential manner.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201911405097.3A CN111178865A (en) | 2019-12-31 | 2019-12-31 | Payment method and device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201911405097.3A CN111178865A (en) | 2019-12-31 | 2019-12-31 | Payment method and device |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN111178865A true CN111178865A (en) | 2020-05-19 |
Family
ID=70654220
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201911405097.3A Pending CN111178865A (en) | 2019-12-31 | 2019-12-31 | Payment method and device |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN111178865A (en) |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN112163851A (en) * | 2020-09-22 | 2021-01-01 | 维沃移动通信有限公司 | Shopping method and device and electronic equipment |
| CN114217890A (en) * | 2021-11-18 | 2022-03-22 | 深圳市优克联新技术有限公司 | Interface control method and device, aggregation payment platform and storage medium |
Citations (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106022758A (en) * | 2016-04-29 | 2016-10-12 | 北京小米移动软件有限公司 | Wireless router smart home managing method and wireless router |
| CN110245935A (en) * | 2019-05-06 | 2019-09-17 | 阿里巴巴集团控股有限公司 | Channel of disbursement recommended method, device and equipment |
-
2019
- 2019-12-31 CN CN201911405097.3A patent/CN111178865A/en active Pending
Patent Citations (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106022758A (en) * | 2016-04-29 | 2016-10-12 | 北京小米移动软件有限公司 | Wireless router smart home managing method and wireless router |
| CN110245935A (en) * | 2019-05-06 | 2019-09-17 | 阿里巴巴集团控股有限公司 | Channel of disbursement recommended method, device and equipment |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN112163851A (en) * | 2020-09-22 | 2021-01-01 | 维沃移动通信有限公司 | Shopping method and device and electronic equipment |
| CN112163851B (en) * | 2020-09-22 | 2024-03-29 | 维沃移动通信有限公司 | Shopping method and device and electronic equipment |
| CN114217890A (en) * | 2021-11-18 | 2022-03-22 | 深圳市优克联新技术有限公司 | Interface control method and device, aggregation payment platform and storage medium |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| US11004103B2 (en) | Custom rewards protocol and system architecture | |
| US20180341933A1 (en) | Open ticket payment handling with bill splitting | |
| US20090198572A1 (en) | System and method for rewards optimization in a computer system | |
| US20150100443A1 (en) | Systems and Methods for Providing Enhanced Point-Of-Sale Services Involving Multiple Financial Entities | |
| US8725642B2 (en) | Delayed settlement transactions | |
| JP2007531123A (en) | Centralized management method and system for a plurality of reward programs | |
| US20110071892A1 (en) | Control system arrangements and methods for disparate network systems | |
| US8160921B2 (en) | System for incentivizing financial account users | |
| CN103679490B (en) | Data processing method and processing device | |
| CA2866678A1 (en) | Systems and methods for providing enhanced point-of-sale services | |
| US20140279524A1 (en) | Interchange Rate Based Convenience Fee, Service Fee, and Surcharge System Patent | |
| WO2011153463A1 (en) | Method and apparatus for value interchange pricing | |
| AU2013221926A1 (en) | Methods and systems for consumer lending | |
| JPH09512357A (en) | Method and apparatus for incentive credit allocation and rebate | |
| NZ560430A (en) | Method of administering an incentive award system for commerical transactions | |
| JP7121850B1 (en) | Information processing device, information processing method, and information processing program | |
| US20230141912A1 (en) | Peer-to-peer transfer of a stored value | |
| US20150186918A1 (en) | Systems and methods for automatic reward redemption | |
| US20130246151A1 (en) | Method And System To Enable Brands To Build Affinity Based Loyalty Networks | |
| US20140310088A1 (en) | Early Payment Rewards System and Method | |
| CN111178865A (en) | Payment method and device | |
| WO2023121608A1 (en) | A savings determination system | |
| US20130262214A1 (en) | Decisioning system based on account behavior at individual merchant | |
| US20120246069A1 (en) | Funds network and method | |
| US20170004481A1 (en) | Systems and methods for retrieving electronically stored information in real-time for electronic transactions |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination |