CN111553674A - Object payment method and system - Google Patents
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- CN111553674A CN111553674A CN202010342881.0A CN202010342881A CN111553674A CN 111553674 A CN111553674 A CN 111553674A CN 202010342881 A CN202010342881 A CN 202010342881A CN 111553674 A CN111553674 A CN 111553674A
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- 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
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
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- Y—GENERAL TAGGING OF NEW TECHNOLOGICAL DEVELOPMENTS; GENERAL TAGGING OF CROSS-SECTIONAL TECHNOLOGIES SPANNING OVER SEVERAL SECTIONS OF THE IPC; TECHNICAL SUBJECTS COVERED BY FORMER USPC CROSS-REFERENCE ART COLLECTIONS [XRACs] AND DIGESTS
- Y04—INFORMATION OR COMMUNICATION TECHNOLOGIES HAVING AN IMPACT ON OTHER TECHNOLOGY AREAS
- Y04S—SYSTEMS INTEGRATING TECHNOLOGIES RELATED TO POWER NETWORK OPERATION, COMMUNICATION OR INFORMATION TECHNOLOGIES FOR IMPROVING THE ELECTRICAL POWER GENERATION, TRANSMISSION, DISTRIBUTION, MANAGEMENT OR USAGE, i.e. SMART GRIDS
- Y04S50/00—Market activities related to the operation of systems integrating technologies related to power network operation or related to communication or information technologies
- Y04S50/12—Billing, invoicing, buying or selling transactions or other related activities, e.g. cost or usage evaluation
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Abstract
The invention provides an object payment method and a system, wherein the method is applied to a Unionpay central system, and an object information list containing object information in each object payment subsystem is stored in the Unionpay central system in advance; the method comprises the following steps: receiving a payment request of an object sent by a bank application in a user terminal; wherein the water supply payment request comprises a unique user identification; searching an object information set corresponding to the user identification from the object information list; and sending the object information set to a bank application in the user terminal so that the bank application in the user terminal can perform payment operation on one or more object information in the object information set after displaying the object information set. The invention can realize that a plurality of object information of the user can be obtained at one time, and the payment operation can be carried out on one or more households at one time based on the plurality of object information, thereby being very simple, convenient and practical.
Description
Technical Field
The application relates to the technical field of communication, in particular to an object payment method and system.
Background
With the progress of science and technology, the water supply payment or the power supply payment can be changed from off-line payment to on-line payment, for example, the on-line payment is carried out in a payment treasure way, and the on-line payment is carried out in a WeChat way in some ways.
However, at present, only one account can be paid once on line, and when one user has multiple houses, water supply payment and/or power supply payment needs to be performed on the multiple houses, that is, different accounts need to be switched to pay.
At present, on-line payment does not support payment for a plurality of households at one time, so that the payment for the plurality of households by a user is complicated.
Disclosure of Invention
In view of this, the application provides an object payment method and system, which can pay for one or more objects at one time by means of a unionpay center system, and is very simple and convenient.
In order to achieve the above object, the present invention provides the following technical features:
a water supply payment system comprising:
each water supply payment subsystem, a user terminal, a bank server in butt joint with the user terminal, and a unionpay central system in butt joint with each water supply payment subsystem and the bank server;
the unionpay central system is used for pre-storing a water supply information list containing water supply information in each water supply payment subsystem; receiving a water supply payment request sent by a bank application in a user terminal through the bank server; wherein the water supply payment request comprises a unique user identification; searching a water supply information set corresponding to the user identification from the water supply information list; sending the water supply information set to a bank application in the user terminal through the bank server;
the bank application in the user terminal is used for generating a water supply payment request; wherein the water supply payment request comprises a unique user identification; sending a water supply payment request to a Unionpay central system through the bank server; receiving a water supply information set sent by a Unionpay center system, displaying the water supply information set through an interface, and performing payment operation on one or more water supply information in the water supply information set through interface interaction.
A water supply payment method is applied to a Unionpay center system and comprises the following steps:
receiving a water supply payment request sent by a bank application in a user terminal; wherein the water supply payment request comprises a unique user identification;
searching a water supply information set corresponding to the user identification from a water supply information list which is pre-stored and contains water supply information of each water supply payment subsystem;
and sending the water supply information set to a bank application in the user terminal so that the bank application in the user terminal can perform payment operation on one or more water supply information in the water supply information set after displaying the water supply information set.
A power supply payment system comprising:
each power supply payment subsystem, a user terminal, a bank server in butt joint with the user terminal, and a Unionpay center system in butt joint with each power supply payment subsystem and the bank server;
the Unionpay center system is used for pre-storing a power supply information list containing power supply information in each power supply payment subsystem; receiving a power supply payment request sent by a bank application in a user terminal through the bank server; wherein the power supply payment request comprises a unique user identifier; searching a power supply information set corresponding to the user identification from the power supply information list; sending the power supply information set to a bank application in the user terminal through the bank server;
the bank application in the user terminal is used for generating a power supply payment request; wherein the power supply payment request comprises a unique user identifier; sending a power supply payment request to a Unionpay center system through the bank server; the method comprises the steps of receiving a power supply information set sent by a Unionpay center system, displaying the power supply information set through an interface, and performing payment operation on one or more pieces of power supply information in the power supply information set through interface interaction.
A power supply payment method is applied to a Unionpay center system and comprises the following steps:
receiving a power supply payment request sent by a bank application in a user terminal; wherein the power supply payment request comprises a unique user identifier;
searching a power supply information set corresponding to the user identification from a power supply information list which is pre-stored and contains power supply information of each power supply payment subsystem;
and sending the power supply information set to a bank application in the user terminal so that the bank application in the user terminal can perform payment operation on one or more power supply information in the power supply information set after displaying the power supply information set.
A water and electricity payment system comprising:
each water supply payment subsystem, each power supply payment subsystem, a user terminal, a bank server in butt joint with the user terminal, and a unionpay central system in butt joint with each water supply payment subsystem, each power supply payment subsystem and the bank server;
the system comprises a Unionpay central system and a Unionpay central system, wherein the Unionpay central system is used for pre-storing a water supply information list containing water supply information in each water supply payment subsystem and pre-storing a power supply information list containing water supply information in each power supply payment subsystem; receiving a water supply and power supply payment request sent by a bank application in a user terminal through the bank server; wherein the water and power supply payment request includes a unique user identification; searching a water supply information set corresponding to the user identification from the water supply information list, and searching a power supply information set corresponding to the user identification from the power supply information list; sending the water supply information set and the power supply information set to a bank application in the user terminal through the bank server;
the bank application in the user terminal is used for generating a water supply and power supply payment request; wherein the water and power supply payment request includes a unique user identification; sending a water supply and power supply payment request to a Unionpay central system through the bank server; receiving a water supply information set and a power supply information set sent by a Unionpay center system, displaying the water supply information set and the power supply information set through an interface, and performing payment operation on one or more water supply information and power supply information in the water supply information set and the power supply information set through interface interaction.
A water supply payment method is applied to a Unionpay center system and comprises the following steps:
receiving a water supply and power supply payment request sent by a bank application in a user terminal; wherein the water and power supply payment request includes a unique user identification;
searching a water supply information set corresponding to the user identification from a water supply information list which is prestored and contains water supply information of each water supply payment subsystem, and searching a power supply information set corresponding to the user identification from a power supply information list which is prestored and contains power supply information of each power supply payment subsystem;
and sending the water supply information set and the power supply information set to a bank application in the user terminal so that the bank application in the user terminal can perform payment operation on one or more water supply information and power supply information in the water supply information set and the power supply information set after displaying the water supply information set and the power supply information set.
An object payment method is applied to a Unionpay center system, and an object information list containing object information in each object payment subsystem is stored in advance in the Unionpay center system; the method comprises the following steps:
receiving a payment request of an object sent by a bank application in a user terminal; wherein the water supply payment request comprises a unique user identification;
searching an object information set corresponding to the user identification from the object information list;
and sending the object information set to a bank application in the user terminal so that the bank application in the user terminal can perform payment operation on one or more object information in the object information set after displaying the object information set.
Optionally, after searching the object information set corresponding to the user identifier from the object information list, the method further includes:
acquiring current balance data corresponding to each object information from an object payment subsystem indicated by each object information in the object information set;
and adding the current balance data corresponding to each object information into each object information.
Optionally, the method further includes:
receiving one or more combinations sent by a bank application in a user terminal, wherein one combination comprises object information and a corresponding payment value;
constructing and combining one or more payment instructions corresponding to the object payment subsystem indicated in the object information; one payment instruction corresponds to the payment subsystems of the same object in one or more combinations;
sending the one or more payment instructions to the corresponding object payment subsystem for the object payment subsystem to execute payment operation;
receiving object payment results sent by one or more payment subsystems;
and sending the object payment result to the bank application in the user terminal so that the bank application in the user terminal can display the object payment result.
Optionally, the method further includes:
and the Unionpay center system periodically extracts the information of the changed objects from each object payment subsystem and updates the object information list.
Through the technical means, the following beneficial effects can be realized:
the invention provides an object payment scheme, wherein each object payment subsystem can be connected with a bank central system, and the bank central system can store an object information list containing object information in each object payment subsystem, namely the object information list contains the object information of users in each object payment subsystem all over the country.
After the bank center system obtains the object payment request sent by the bank application in the receiving user terminal, an object information set corresponding to the user identifier in the object payment request can be searched from the object information list, and then the object information set is sent to the bank application in the user terminal. The bank application in the user terminal can display the object information set so as to execute payment operation on one or more object information in the object information set.
Namely, the invention can realize that a plurality of object information of the user can be obtained at one time, and the payment operation can be carried out on one or a plurality of households at one time based on the plurality of object information, thereby being very simple, convenient and practical.
Drawings
In order to more clearly illustrate the embodiments of the present application 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 some embodiments of the present application, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.
Fig. 1 is a schematic structural diagram of a water supply payment system disclosed in an embodiment of the present application;
fig. 2 is a flowchart of a water supply payment method disclosed in an embodiment of the present application;
fig. 3 is a schematic structural diagram of a power supply payment system disclosed in the embodiment of the present application;
fig. 4 is a flowchart of a power supply payment method disclosed in the embodiment of the present application;
fig. 5 is a schematic structural diagram of a water and electricity payment system disclosed in the embodiment of the present application;
fig. 6 is a flowchart of an object payment method disclosed in the embodiment of the present application.
Detailed Description
The technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are only a part of the embodiments of the present application, 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 application.
The invention provides a water supply payment system which can realize water supply payment for one or more households at one time by means of a Unionpay center system.
Referring to fig. 1, the water supply payment system includes:
each water supply payment subsystem, a user terminal, a bank server in butt joint with the user terminal, and a unionpay central system in butt joint with each water supply payment subsystem and the bank server;
the system comprises a water supply payment subsystem, a Unionpay central system, a water supply information acquisition subsystem and a water supply information acquisition subsystem, wherein the Unionpay central system is used for pre-storing a water supply information list containing water supply information in each water supply payment subsystem; receiving a water supply payment request sent by a bank application in a user terminal through the bank server; wherein the water supply payment request comprises a unique user identification; searching a water supply information set corresponding to the user identification from the water supply information list; sending the water supply information set to a bank application in the user terminal through the bank server;
the bank application in the user terminal is used for generating a water supply payment request; wherein the water supply payment request comprises a unique user identification; sending a water supply payment request to a Unionpay central system through the bank server; receiving a water supply information set sent by a Unionpay center system, displaying the water supply information set through an interface, and performing payment operation on one or more water supply information in the water supply information set through interface interaction.
On the basis of the water supply payment system shown in fig. 1, the invention provides a water supply payment method, and referring to fig. 2, the water supply payment method comprises the following steps:
step S201: and the bank application in the user terminal sends a water supply payment request.
The user terminal may install a bank application in which a user identifier is pre-stored for uniquely representing a user identity, such as a user card number. The bank application is provided with a water supply payment module, and when the water supply payment module is started for payment, the bank application can send a water supply payment request containing the user identification to the bank server.
Step S202: and the bank server receives and forwards the water supply payment request to the Unionpay center system.
Step S203: and the Unionpay central system receives a water supply payment request sent by a bank application in the user terminal, and searches a water supply information set corresponding to the user identifier from a water supply information list which is prestored and contains water supply information of each water supply payment subsystem.
It can be understood that, as for water supply payment in China, a plurality of water supply payment subsystems are provided, and in order to facilitate users to realize national water supply payment, the UnionPay center system can be in butt joint with the plurality of water supply payment subsystems, so that water supply payment in the national range can be obtained.
And the Unionpay center system periodically extracts the information of the changed objects from each object payment subsystem and updates the object information list. That is, the union pay center system can regularly extract the water supply information from each water supply payment subsystem, and summarize the water supply information of each water supply payment subsystem, for convenience of calling a water supply information list. It is understood that the water supply information list includes water supply information in which all users are identified in different regions.
And performing query operation according to the user identification from the water supply information list so as to obtain a water supply information set corresponding to the user identification, such as water supply information A, water supply information B, water supply information C and the like. One water supply information may include information such as a user identifier, a water card number, a water supply payment subsystem corresponding to the account, and the like, and may also include other information.
It can be understood that each water supply payment subsystem stores the current balance data of each account. Optionally, in order to improve user experience, after determining the water supply information set corresponding to the user identifier, the union pay center system may further pull current balance data corresponding to each water supply information from the water supply payment subsystem corresponding to each water supply information according to each water supply information set, and add the current balance data to each water supply information, so as to send the current balance data to the user in a lump, and the user can conveniently check the current balance data of each user.
Step S204: and the Unionpay center system sends the water supply information set to the bank application in the user terminal.
Step S205: and displaying the water supply information set by the bank application in the user terminal.
The bank application in the user terminal may present the water supply information set. Alternatively, in the case where the current balance data is added to the water supply information set determined in step S203, the water supply information set displayed in this step also includes the current balance data.
Optionally, a display page is adopted to display the water supply information set, and in order to facilitate the user to fill in the payment value, an input box for filling in the payment value may be added at a position of each water supply information corresponding to the page.
Step S206: the bank in the user terminal is applied to the user for interface interaction, and determines one or more water supply information added with the payment value.
Because the display page displays the water supply information of each account, it can be understood that not all accounts need to be supplied with water for payment, and therefore, after the bank application and the user perform interface interaction, payment values are filled in an input box corresponding to the account needing to be supplied with water for payment.
The banking application may determine one or more water supply messages to which payment values are added by detecting whether the input box is empty. It will be appreciated that the one or more water supply messages to which payment values are added are one or more households that the user wishes to pay.
Step S207: the bank application in the user terminal sends one or more combinations of payment values and water supply information to the bank server.
In order to ensure the correspondence between the payment values and the water supply information, the payment values and the water supply information are correspondingly combined to obtain one or more combinations of the payment values and the water supply information.
Step S208: and the bank server receives and forwards one or more combinations of payment values and water supply information to the Unionpay central system.
Step S209: and the Unionpay central system receives the combination of one or more payment numerical values and the water supply information and generates one or more payment instructions corresponding to the water supply payment subsystem.
Suppose there are three combinations: combination a, combination B and combination C.
Under the condition that the three combinations respectively correspond to the same water supply payment subsystem, a payment instruction comprising the three combinations can be constructed so as to send the payment instruction to the water supply payment subsystem.
Under the condition that the three combined decibels correspond to three different water supply payment subsystems, three payment instructions can be constructed, wherein each payment instruction comprises a combination so as to correspondingly send the three payment instructions to the three water supply payment subsystems.
Step S210: and the Unionpay central system respectively sends one or more payment instructions to the corresponding water supply payment subsystems so that the water supply payment subsystems carry out water supply payment according to the water supply information and the payment numerical values.
Step S211: and the Unionpay central system receives the successful water supply payment result fed back by the water supply payment subsystem and sends the result to the bank server.
Step S212: and the bank server executes fee deduction operation on the bank account corresponding to the user identification.
The user identification in the water supply payment request is also suitable for the bank server, and after the bank server receives the successful water supply payment result, the bank server executes fee deduction operation from the bank account corresponding to the user identification.
Step S213: and the bank server sends the successful water supply payment result to the bank application.
Step S214: and the bank application displays the successful result of the water supply payment.
And the bank application displays the successful water supply payment result for the user to check. The user can know that the water supply payment is successfully paid.
The invention provides a power supply payment system which can realize one-time power supply payment for one or more households by means of a Unionpay center system.
Referring to fig. 3, the power supply payment system includes:
each power supply payment subsystem, a user terminal, a bank server in butt joint with the user terminal, and a Unionpay center system in butt joint with each power supply payment subsystem and the bank server;
the Unionpay center system is used for pre-storing a power supply information list containing power supply information in each power supply payment subsystem; receiving a power supply payment request sent by a bank application in a user terminal through the bank server; wherein the power supply payment request comprises a unique user identifier; searching a power supply information set corresponding to the user identification from the power supply information list; sending the power supply information set to a bank application in the user terminal through the bank server;
the bank application in the user terminal is used for generating a power supply payment request; wherein the power supply payment request comprises a unique user identifier; sending a power supply payment request to a Unionpay center system through the bank server; the method comprises the steps of receiving a power supply information set sent by a Unionpay center system, displaying the power supply information set through an interface, and performing payment operation on one or more pieces of power supply information in the power supply information set through interface interaction.
On the basis of the power supply payment system shown in fig. 3, the invention provides a power supply payment method, and referring to fig. 4, the power supply payment method includes the following steps:
step S401: and the bank application in the user terminal sends a power supply payment request.
The user terminal may install a bank application in which a user identifier is pre-stored for uniquely representing a user identity, such as a user card number. The bank application is provided with a power supply payment module, and when the power supply payment module is started for payment, the bank application can send a power supply payment request containing the user identification to the bank server.
Step S402: and the bank server receives and forwards the power supply payment request to the Unionpay center system.
Step S403: and the Unionpay center system receives a power supply payment request sent by a bank application in the user terminal, and searches a power supply information set corresponding to the user identifier from a power supply information list which is prestored and contains power supply information of each power supply payment subsystem.
It can be understood that, regarding power supply payment, the country has a plurality of power supply payment subsystems, so that a user can realize national power supply payment, the unionpay center system can be connected with the plurality of power supply payment subsystems, so that nationwide power supply payment can be obtained.
The Unionpay center system can regularly extract power supply information from each power supply payment subsystem, and collects the power supply information of each power supply payment subsystem, which is called a power supply information list for convenience of calling. It is understood that the power supply information list includes power supply information in which all users are identified in different regions.
And executing query operation according to the user identification from the power supply information list so as to obtain a power supply information set corresponding to the user identification, such as power supply information A, power supply information B, power supply information C and the like. One piece of power supply information can comprise information such as user identification, water card number, a power supply payment subsystem corresponding to a user account and the like, and can also comprise other information.
It can be understood that the current balance data of each account is stored in each power supply payment subsystem. Optionally, in order to improve user experience, after determining the power supply information set corresponding to the user identifier, the union pay center system may further pull current balance data corresponding to each power supply information from the power supply payment subsystem corresponding to each power supply information for each power supply information set, and add the current balance data to each power supply information, so as to send the current balance data to the user in a lump, and the user can conveniently check the current balance data of each account.
Step S404: and the Unionpay center system sends the power supply information set to the bank application in the user terminal.
Step S405: and displaying the power supply information set by the bank application in the user terminal.
The bank application in the user terminal may present the power supply information set. Alternatively, in the case where the current balance data is added to the power supply information set determined in step S403, the power supply information set displayed in this step also includes the current balance data.
Optionally, a display page is used to display the power supply information set, and in order to facilitate the user to fill in the payment value, an input box for filling in the payment value may be added at a position of each power supply information corresponding to the page.
Step S406: the bank in the user terminal is applied to the user for interface interaction, and determines one or more pieces of power supply information added with payment values.
Because the display page displays the power supply information of each account, it can be understood that not all accounts need to be supplied with power for payment, and therefore, after the bank application and the user perform interface interaction, payment values are filled in an input box corresponding to the account needing to be supplied with power for payment.
The bank application can determine one or more power supply messages with the payment value added by detecting whether the input box is empty. It will be appreciated that the one or more power supply messages with the payment value added thereto are the one or more households that the user wishes to pay.
Step S407: the bank application in the user terminal sends one or more combinations of payment values and power supply information to the bank server.
In order to ensure the correspondence between the payment values and the power supply information, the payment values and the power supply information are correspondingly combined to obtain one or more combinations of the payment values and the power supply information.
Step S408: and the bank server receives and forwards one or more combinations of payment values and power supply information to the Unionpay center system.
Step S409: and the Unionpay central system receives the combination of one or more payment numerical values and the power supply information and generates one or more payment instructions corresponding to the power supply payment subsystem.
Suppose there are three combinations: combination a, combination B and combination C.
Under the condition that the three combinations respectively correspond to the same power supply payment subsystem, a payment instruction comprising the three combinations can be constructed so as to send the payment instruction to the power supply payment subsystem.
Under the condition that the three combined decibels correspond to three different power supply payment subsystems, three payment instructions can be constructed, wherein each payment instruction comprises a combination so as to correspondingly send the three payment instructions to the three power supply payment subsystems.
Step S410: the Unionpay center system sends one or more payment instructions to the corresponding power supply payment subsystems respectively so that the power supply payment subsystems carry out power supply payment according to the power supply information and the payment numerical values.
Step S411: and the Unionpay center system receives the successful power supply payment result fed back by the power supply payment subsystem and sends the successful power supply payment result to the bank server.
Step S412: and the bank server executes fee deduction operation on the bank account corresponding to the user identification.
The user identification in the power supply payment request is also suitable for the bank server, and after the bank server receives a successful power supply payment result, the bank server executes fee deduction operation from a bank account corresponding to the user identification.
Step S413: and the bank server sends the successful result of power supply payment to the bank application.
Step S414: and the bank application displays the successful result of the power supply payment.
And the bank application displays the successful result of the power supply payment for the user to check. The user can know that the power supply payment is successfully paid.
The invention provides a hydropower payment system which can realize one-time power supply payment and water supply payment for one or more households by means of a Unionpay center system. Referring to fig. 5, the water and electricity payment system includes:
each water supply payment subsystem, each power supply payment subsystem, a user terminal, a bank server in butt joint with the user terminal, and a unionpay central system in butt joint with each water supply payment subsystem, each power supply payment subsystem and the bank server;
the system comprises a Unionpay central system and a Unionpay central system, wherein the Unionpay central system is used for pre-storing a water supply information list containing water supply information in each water supply payment subsystem and pre-storing a power supply information list containing water supply information in each power supply payment subsystem; receiving a water supply and power supply payment request sent by a bank application in a user terminal through the bank server; wherein the water and power supply payment request includes a unique user identification; searching a water supply information set corresponding to the user identification from the water supply information list, and searching a power supply information set corresponding to the user identification from the power supply information list; sending the water supply information set and the power supply information set to a bank application in the user terminal through the bank server;
the bank application in the user terminal is used for generating a water supply and power supply payment request; wherein the water and power supply payment request includes a unique user identification; sending a water supply and power supply payment request to a Unionpay central system through the bank server; receiving a water supply information set and a power supply information set sent by a Unionpay center system, displaying the water supply information set and the power supply information set through an interface, and performing payment operation on one or more water supply information and power supply information in the water supply information set and the power supply information set through interface interaction.
Regarding the execution process combining the water supply payment and the power supply payment, the execution process is similar to the single water supply execution process and the power supply execution process, and details can be given in the description of fig. 2 and fig. 4, and are not repeated herein.
Through the technical means, the following beneficial effects can be realized:
the invention provides an object payment scheme, wherein each object payment subsystem can be connected with a bank central system, and the bank central system can store an object information list containing object information in each object payment subsystem, namely the object information list contains the object information of users in each object payment subsystem all over the country.
After the bank center system obtains the object payment request sent by the bank application in the receiving user terminal, an object information set corresponding to the user identifier in the object payment request can be searched from the object information list, and then the object information set is sent to the bank application in the user terminal. The bank application in the user terminal can display the object information set so as to execute payment operation on one or more object information in the object information set.
Namely, the invention can realize that a plurality of object information of the user can be obtained at one time, and the payment operation can be carried out on one or a plurality of households at one time based on the plurality of object information, thereby being very simple, convenient and practical.
Referring to fig. 6, the present invention provides an object payment method, which is applied to a union pay center system, where the union pay center system stores in advance an object information list including object information in each object payment subsystem; the method comprises the following steps:
step S601: receiving a payment request of an object sent by a bank application in a user terminal; wherein the water supply payment request comprises a unique user identification;
step S602: searching an object information set corresponding to the user identification from the object information list;
step S603: and sending the object information set to a bank application in the user terminal so that the bank application in the user terminal can perform payment operation on one or more object information in the object information set after displaying the object information set.
Optionally, after searching the object information set corresponding to the user identifier from the object information list, the method further includes:
acquiring current balance data corresponding to each object information from an object payment subsystem indicated by each object information in the object information set;
and adding the current balance data corresponding to each object information into each object information.
Optionally, the method further includes:
receiving one or more combinations sent by a bank application in a user terminal, wherein one combination comprises object information and a corresponding payment value;
constructing and combining one or more payment instructions corresponding to the object payment subsystem indicated in the object information; one payment instruction corresponds to the payment subsystems of the same object in one or more combinations;
sending the one or more payment instructions to the corresponding object payment subsystem for the object payment subsystem to execute payment operation;
receiving object payment results sent by one or more payment subsystems;
and sending the object payment result to the bank application in the user terminal so that the bank application in the user terminal can display the object payment result.
Optionally, the method further includes:
and the Unionpay center system periodically extracts the information of the changed objects from each object payment subsystem and updates the object information list.
The functions described in the method of the present embodiment, if implemented in the form of software functional units and sold or used as independent products, may be stored in a storage medium readable by a computing device. Based on such understanding, part of the contribution to the prior art of the embodiments of the present application or part of the technical solution may be embodied in the form of a software product stored in a storage medium and including several instructions for causing a computing device (which may be a personal computer, a server, a mobile computing device or a network device) to execute all or part of the steps of the method described in the embodiments of the present application. And the aforementioned storage medium includes: a U-disk, a removable hard disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk, and other various media capable of storing program codes.
The embodiments are described in a progressive manner, each embodiment focuses on differences from other embodiments, and the same or similar parts among the embodiments are 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 application. 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 application. Thus, the present application 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 water supply payment system, comprising:
each water supply payment subsystem, a user terminal, a bank server in butt joint with the user terminal, and a unionpay central system in butt joint with each water supply payment subsystem and the bank server;
the unionpay central system is used for pre-storing a water supply information list containing water supply information in each water supply payment subsystem; receiving a water supply payment request sent by a bank application in a user terminal through the bank server; wherein the water supply payment request comprises a unique user identification; searching a water supply information set corresponding to the user identification from the water supply information list; sending the water supply information set to a bank application in the user terminal through the bank server;
the bank application in the user terminal is used for generating a water supply payment request; wherein the water supply payment request comprises a unique user identification; sending a water supply payment request to a Unionpay central system through the bank server; receiving a water supply information set sent by a Unionpay center system, displaying the water supply information set through an interface, and performing payment operation on one or more water supply information in the water supply information set through interface interaction.
2. A water supply payment method is applied to a Unionpay center system, and comprises the following steps:
receiving a water supply payment request sent by a bank application in a user terminal; wherein the water supply payment request comprises a unique user identification;
searching a water supply information set corresponding to the user identification from a water supply information list which is pre-stored and contains water supply information of each water supply payment subsystem;
and sending the water supply information set to a bank application in the user terminal so that the bank application in the user terminal can perform payment operation on one or more water supply information in the water supply information set after displaying the water supply information set.
3. A power supply payment system, comprising:
each power supply payment subsystem, a user terminal, a bank server in butt joint with the user terminal, and a Unionpay center system in butt joint with each power supply payment subsystem and the bank server;
the Unionpay center system is used for pre-storing a power supply information list containing power supply information in each power supply payment subsystem; receiving a power supply payment request sent by a bank application in a user terminal through the bank server; wherein the power supply payment request comprises a unique user identifier; searching a power supply information set corresponding to the user identification from the power supply information list; sending the power supply information set to a bank application in the user terminal through the bank server;
the bank application in the user terminal is used for generating a power supply payment request; wherein the power supply payment request comprises a unique user identifier; sending a power supply payment request to a Unionpay center system through the bank server; the method comprises the steps of receiving a power supply information set sent by a Unionpay center system, displaying the power supply information set through an interface, and performing payment operation on one or more pieces of power supply information in the power supply information set through interface interaction.
4. A power supply payment method is applied to a Unionpay center system, and comprises the following steps:
receiving a power supply payment request sent by a bank application in a user terminal; wherein the power supply payment request comprises a unique user identifier;
searching a power supply information set corresponding to the user identification from a power supply information list which is pre-stored and contains power supply information of each power supply payment subsystem;
and sending the power supply information set to a bank application in the user terminal so that the bank application in the user terminal can perform payment operation on one or more power supply information in the power supply information set after displaying the power supply information set.
5. The utility model provides a water and electricity payment system which characterized in that includes:
each water supply payment subsystem, each power supply payment subsystem, a user terminal, a bank server in butt joint with the user terminal, and a unionpay central system in butt joint with each water supply payment subsystem, each power supply payment subsystem and the bank server;
the system comprises a Unionpay central system and a Unionpay central system, wherein the Unionpay central system is used for pre-storing a water supply information list containing water supply information in each water supply payment subsystem and pre-storing a power supply information list containing water supply information in each power supply payment subsystem; receiving a water supply and power supply payment request sent by a bank application in a user terminal through the bank server; wherein the water and power supply payment request includes a unique user identification; searching a water supply information set corresponding to the user identification from the water supply information list, and searching a power supply information set corresponding to the user identification from the power supply information list; sending the water supply information set and the power supply information set to a bank application in the user terminal through the bank server;
the bank application in the user terminal is used for generating a water supply and power supply payment request; wherein the water and power supply payment request includes a unique user identification; sending a water supply and power supply payment request to a Unionpay central system through the bank server; receiving a water supply information set and a power supply information set sent by a Unionpay center system, displaying the water supply information set and the power supply information set through an interface, and performing payment operation on one or more water supply information and power supply information in the water supply information set and the power supply information set through interface interaction.
6. A water supply payment method is applied to a Unionpay center system, and comprises the following steps:
receiving a water supply and power supply payment request sent by a bank application in a user terminal; wherein the water and power supply payment request includes a unique user identification;
searching a water supply information set corresponding to the user identification from a water supply information list which is prestored and contains water supply information of each water supply payment subsystem, and searching a power supply information set corresponding to the user identification from a power supply information list which is prestored and contains power supply information of each power supply payment subsystem;
and sending the water supply information set and the power supply information set to a bank application in the user terminal so that the bank application in the user terminal can perform payment operation on one or more water supply information and power supply information in the water supply information set and the power supply information set after displaying the water supply information set and the power supply information set.
7. An object payment method is characterized by being applied to a Unionpay central system, wherein an object information list containing object information in each object payment subsystem is stored in advance in the Unionpay central system; the method comprises the following steps:
receiving a payment request of an object sent by a bank application in a user terminal; wherein the water supply payment request comprises a unique user identification;
searching an object information set corresponding to the user identification from the object information list;
and sending the object information set to a bank application in the user terminal so that the bank application in the user terminal can perform payment operation on one or more object information in the object information set after displaying the object information set.
8. The method of claim 7, after finding the set of object information corresponding to the user identification from the list of object information, further comprising:
acquiring current balance data corresponding to each object information from an object payment subsystem indicated by each object information in the object information set;
and adding the current balance data corresponding to each object information into each object information.
9. The method of claim 7, further comprising:
receiving one or more combinations sent by a bank application in a user terminal, wherein one combination comprises object information and a corresponding payment value;
constructing and combining one or more payment instructions corresponding to the object payment subsystem indicated in the object information; one payment instruction corresponds to the payment subsystems of the same object in one or more combinations;
sending the one or more payment instructions to the corresponding object payment subsystem for the object payment subsystem to execute payment operation;
receiving object payment results sent by one or more payment subsystems;
and sending the object payment result to the bank application in the user terminal so that the bank application in the user terminal can display the object payment result.
10. The method of claim 7, further comprising:
and the Unionpay center system periodically extracts the information of the changed objects from each object payment subsystem and updates the object information list.
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| CN202010342881.0A CN111553674A (en) | 2020-04-27 | 2020-04-27 | Object payment method and system |
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