CN112734435A - Payment method, payment device, electronic equipment and computer-readable storage medium - Google Patents
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Abstract
The application provides a payment method, a payment device, an electronic device and a computer-readable storage medium, wherein the method comprises the following steps: receiving a bank account payment request sent by a client aiming at an object to be transacted; the payment request carries the identity information of the user; searching a bank account corresponding to the user according to the identity information; judging whether the searched bank account opens the payment of the target financial product or not; the target financing product is a financing product which is taken at any time along with the deposit and is interest-bearing on the day; if the found bank account opens the payment of the target financial product, sending first prompt information whether to use the target financial product for payment to the client; and after receiving a confirmation instruction aiming at the first prompt message, paying by using the target financial product. The payment method for payment by using the financial product expands the payment boundary of the bank account, simplifies the operation steps of a user when the user uses the financial product for payment, and improves the payment efficiency.
Description
Technical Field
The present application relates to the field of payment technologies, and in particular, to a payment method, an apparatus, an electronic device, and a computer-readable storage medium.
Background
The financial management products are products which are designed and issued by commercial banks and formal financial institutions, collected funds are invested into related financial markets and purchased related financial products according to product contract agreements, and after investment income is obtained, the products are distributed to investors according to the contract agreements. Therefore, the aim of personal financial value guarantee and increment can be achieved by purchasing financial products, and more profits are obtained.
Although the financial insurance value can be increased by purchasing the financial products, the flow of personal funds is influenced after purchasing the financial products, when a user uses the amount of money in the financial products for payment, money needs to be extracted from the financial accounts to a current account for payment, so that the operation steps are complex and the payment efficiency is low when the user uses the financial accounts for payment.
Disclosure of Invention
In view of the above, an object of the present application is to provide a payment method, an apparatus, an electronic device and a computer-readable storage medium, which simplify the operation steps of a user when paying with a financial product and improve the payment efficiency.
In a first aspect, an embodiment of the present application provides a payment method, including:
receiving a bank account payment request sent by a client aiming at an object to be transacted; the bank account payment request carries the identity information of the user;
searching a bank account corresponding to the user according to the identity information of the user;
judging whether the searched bank account opens the payment of the target financial product or not; the target financing product is a financing product which is taken at any time along with storage and is interest-bearing on the day;
if the found bank account opens the payment of the target financial product, sending first prompt information whether to use the target financial product for payment to the client;
and after receiving a confirmation instruction aiming at the first prompt message sent by the client, paying by using a target financial product.
With reference to the first aspect, an embodiment of the present application provides a first possible implementation manner of the first aspect, where after the step of determining whether the found bank account has opened payment for a target financial product, the step includes:
if the found bank account does not open the payment of the target financial product, sending second prompt information for judging whether the payment of the target financial product is opened to the client;
and opening payment of the target financial product after receiving a confirmation instruction aiming at the second prompt message sent by the client.
With reference to the first aspect, an embodiment of the present application provides a second possible implementation manner of the first aspect, where after the step of determining whether the found bank account has opened the payment of the target financial product, the step includes:
if the found bank account opens the payment of the target financial product, sending third prompt information whether to use the account balance and the target financial product for combined payment to the client;
and after receiving a confirmation instruction aiming at the third prompt message sent by the client, carrying out combined payment by using the account balance and the target financial product.
With reference to the first aspect, an embodiment of the present application provides a third possible implementation manner of the first aspect, where after receiving a bank account payment request sent by a client for an object to be transacted, the method includes:
inquiring the right exchange limit corresponding to the object to be traded;
the step of judging whether the searched bank account opens the payment of the target financial product comprises the following steps:
if the found bank account opens the payment of the target financial product, sending fourth prompt information whether to use the equity exchange amount, the account balance and the target financial product for combined payment to the client;
and after receiving a confirmation instruction aiming at the fourth prompt message sent by the client, performing combined payment by using the equity exchange limit, the account balance and the target financial product.
With reference to the first aspect, the present application provides a fourth possible implementation manner of the first aspect, where the target financial product includes any one or more of the following: funds, bonds, and credits.
With reference to the first aspect, an embodiment of the present application provides a fifth possible implementation manner of the first aspect, where the step of determining whether the found bank account has opened the payment of the target financial product includes
If the found bank account does not open the payment of the target financial product, sending fifth prompt information whether to switch to other bank accounts to the client;
and after receiving a confirmation instruction aiming at the fifth prompt message sent by the client, switching to other bank accounts.
With reference to the first aspect, an embodiment of the present application provides a sixth possible implementation manner of the first aspect, where the number of the found bank accounts is at least two;
the step of judging whether the searched bank account opens the payment of the target financial product comprises the following steps:
inquiring the use frequency of each bank account;
determining the bank account with the highest use frequency as a target bank account;
and judging whether the target bank account opens the payment of the target financial product.
In a second aspect, an embodiment of the present application further provides a payment apparatus, including:
the receiving module is used for receiving a bank account payment request sent by a client aiming at an object to be transacted; the bank account payment request carries the identity information of the user;
the searching module is used for searching a bank account corresponding to the user according to the identity information of the user;
the first judgment module is used for judging whether the searched bank account opens the payment of the target financial product; the target financing product is a financing product which is taken at any time along with storage and is interest-bearing on the day;
the first sending module is used for sending first prompt information whether to use the target financial product for payment to the client side if the found bank account opens the target financial product for payment;
and the first payment module is used for paying by using a target financial product after receiving a confirmation instruction aiming at the first prompt message sent by the client.
In a third aspect, an embodiment of the present application further provides an electronic device, including: a processor, a memory and a bus, the memory storing machine-readable instructions executable by the processor, the processor and the memory communicating via the bus when the electronic device is running, the machine-readable instructions when executed by the processor performing the steps of the first aspect described above, or any possible implementation of the first aspect.
In a fourth aspect, this application further provides a computer-readable storage medium, on which a computer program is stored, where the computer program is executed by a processor to perform the steps in the first aspect or any one of the possible implementation manners of the first aspect.
The embodiment of the application provides a payment method, a payment device, electronic equipment and a computer-readable storage medium, wherein the payment method comprises the following steps: receiving a bank account payment request sent by a client aiming at an object to be transacted; the bank account payment request carries the identity information of the user; searching a bank account corresponding to the user according to the identity information of the user; judging whether the searched bank account opens the payment of the target financial product or not; the target financing product is a financing product which is taken at any time along with the deposit and is interest-bearing on the day; if the found bank account opens the payment of the target financial product, sending first prompt information whether to use the target financial product for payment to the client; and after receiving a confirmation instruction aiming at the first prompt message sent by the client, paying by using the target financial product. The payment method for payment by using the financial product simplifies the operation steps of payment by a user by using the financial product, and improves the payment efficiency.
In order to make the aforementioned objects, features and advantages of the present application more comprehensible, preferred embodiments accompanied with figures are described in detail below.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings that are required to be used in the embodiments will be briefly described below, it should be understood that the following drawings only illustrate some embodiments of the present application and therefore should not be considered as limiting the scope, and for those skilled in the art, other related drawings can be obtained from the drawings without inventive effort.
Fig. 1 illustrates a flow chart of a payment method provided by an embodiment of the present application;
FIG. 2 illustrates a flow chart of another payment method provided by embodiments of the present application;
fig. 3 is a schematic structural diagram of a payment device provided in an embodiment of the present application;
fig. 4 shows a schematic structural diagram of an electronic device provided in an embodiment of the present application.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present application clearer, 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 the embodiments. The components of the embodiments of the present application, generally described and illustrated in the figures herein, can be arranged and designed in a wide variety of different configurations. Thus, the following detailed description of the embodiments of the present application, presented in the accompanying drawings, is not intended to limit the scope of the claimed application, but is merely representative of selected embodiments of the application. All other embodiments, which can be derived by a person skilled in the art from the embodiments of the present application without making any creative effort, shall fall within the protection scope of the present application.
The financial management products are products which are designed and issued by commercial banks and formal financial institutions, collected funds are invested into related financial markets and purchased related financial products according to product contract agreements, and after investment income is obtained, the products are distributed to investors according to the contract agreements. Therefore, the aim of personal financial value guarantee and increment can be achieved by purchasing financial products, and more profits are obtained. Although the financial insurance value can be increased by purchasing the financial products, the flow of personal funds is influenced after purchasing the financial products, when a user uses the amount of money in the financial products for payment, money needs to be extracted from the financial accounts to a current account for payment, so that the operation steps are complex and the payment efficiency is low when the user uses the financial accounts for payment.
In view of the foregoing problems, embodiments of the present application provide a payment method, an apparatus, an electronic device, and a computer-readable storage medium, which are described below by way of embodiments.
For the convenience of understanding the present embodiment, a detailed description will be given of a payment method disclosed in the embodiments of the present application. A payment method as shown in the flow chart of fig. 1, includes the following steps:
s101: receiving a bank account payment request sent by a client aiming at an object to be transacted; the bank account payment request carries the identity information of the user;
in one possible embodiment, the object to be transacted may be an item that the user wants to purchase but not pay at the current time; the bank account may be an account in a bank card bound by the user, including but not limited to a financial account, a current account, a fund account, a credit account, a bond account, and other special accounts based on bank financial products.
When the user needs to use the bank account to pay the commodity, a bank account payment request is initiated through the client. Specifically, the bank account payment request includes identity information of the user and payment amount of the object to be transacted, where the identity information of the user includes, but is not limited to, information such as name, sex, age, and identification number of the user.
S102: searching a bank account corresponding to the user according to the identity information of the user;
in a possible implementation manner, after receiving the identity information of the user, the identity information of the user is identified and verified, and all bank accounts bound to the user are found out, where the number of the bank accounts may be at least one bank account, and specifically, the bank accounts may be accounts of the same bank or different banks.
S103: judging whether the searched bank account opens the payment of the target financial product or not; the target financing product is a financing product which is taken at any time along with the deposit and is interest-bearing on the day;
in one possible embodiment, the targeted financial product comprises any one or more of: funds, bonds, credits, and other financial products.
Specifically, the target financing product in the present application may refer to a financing product which is taken at any time and accounts for the same day, that is, the financing product may be a financing product which is not limited by time, can be taken at any time and is calculated on the same day as the interest of the same day.
In a possible implementation manner, the number of the searched bank accounts is one, and whether the bank account opens the function of paying the target financial product or not is directly judged.
In a possible implementation manner, the number of the searched bank accounts is at least two; in step S103, it is determined whether the found bank account has opened the payment of the target financial product, and the method may specifically be performed according to the following steps:
s1031: inquiring the use frequency of each bank account;
the use frequency of the bank account can be the number of times of payment in unit time by using the bank account; or may be the total number of payments made using the bank account. Respectively inquiring the payment times of each bank account in unit time; or to query the total number of payments made using each bank account separately.
S1032: determining the bank account with the highest use frequency as a target bank account;
and respectively counting the use frequency of each bank account, and finding out the bank account with the highest use frequency as a target bank account.
S1033: and judging whether the target bank account opens the payment of the target financial product.
And judging whether the target bank account opens the function of payment of the target financial product.
In another possible implementation manner, the number of the searched bank accounts is at least two; in step S103, it is determined whether the found bank account has opened the payment of the target financial product, and the method may specifically be performed according to the following steps:
inquiring the payment amount of each bank account; specifically, the payment amount of each bank account may be an amount of payment between units using the bank account; or the total amount paid using the bank account.
Determining the bank account with the highest payment amount as a target bank account; and respectively counting the payment amount of each bank account, and finding out the bank account with the highest payment amount as a target bank account.
And judging whether the target bank account opens the function of payment of the target financial product.
S104: if the found bank account opens the payment of the target financial product, sending first prompt information whether to use the target financial product for payment to the client;
and if the found bank account opens the payment of the target financial product, determining the number of the target financial products in the bank account and the product information of each target financial product, wherein the target financial product information comprises but is not limited to the name of the target financial product, the purchase amount and the like.
In a possible implementation manner, the first prompt message includes, in addition to the number of the target financial products in the bank account and the product information of each target financial product, a tool key corresponding to each target financial product.
Specifically, the first prompt message is sent to a client of the user, and the user determines whether to use the target financial product for payment and determines which target financial product or products to use for payment according to the first prompt message displayed by the client and the payment amount of the object to be transacted.
In one possible implementation mode, the payment amount of the object to be transacted is compared with the amount of money in each financing product in a bank account, the financing product of which the amount is not less than the payment amount of the object to be transacted is screened out, and a user can directly use the financing product to pay; when the amount of money in each financing product in the bank account is smaller than the payment amount of the object to be traded of the user, the user can select two or more financing products to pay, and the steps of extracting the amount of money in the financing products into another financing product and then paying are reduced.
S105: and after receiving a confirmation instruction aiming at the first prompt message sent by the client, paying by using the target financial product.
The confirmation instruction can be triggered by clicking a tool key corresponding to the target financial product in the client screen by the user. Specifically, the user clicks a tool key corresponding to a target financial product in a client screen according to first prompt information displayed by the client, selects the target financial product for payment, and uses the target financial product for payment.
In one possible embodiment, after the payment is completed, the payment result is sent to the client, and the payment result includes, but is not limited to, the payment result, the transaction amount, the payment amount, and the like
In a possible implementation manner, in step S103, after determining whether the target financial product payment has been opened by the found bank account, the following steps may be specifically performed:
s1034: if the found bank account does not open the payment of the target financial product, sending second prompt information for judging whether the payment of the target financial product is opened to the client;
and if all the bank accounts bound by the user are found not to open the payment function of the target financial product, determining the target financial product information suitable for payment in each found bank account, wherein the target financial product information comprises but is not limited to the name of the target financial product, the purchase amount and the like.
The second prompt message comprises the name, the number and the purchase amount of each target financial product in each bank account, and also comprises a tool key corresponding to each target financial product.
In one possible implementation mode, the user determines whether to open the payment function of the target financial product and which one or more target financial products to open for payment according to the second prompt message displayed in the client.
S1035: and opening payment of the target financial product after receiving a confirmation instruction aiming at the second prompt message sent by the client.
And after the user decides to open the payment function of one or more target financial products, sending a confirmation instruction through the client, wherein the confirmation instruction is used for confirming which target financial product payment function is opened, specifically, the user clicks a tool key corresponding to the target financial product in second prompt information displayed in a client screen, and jumps to an opening page for opening the target financial product payment function for the target financial product, and the opening page includes but is not limited to face recognition, account verification, protocol and the like, so as to open the target financial product payment.
In a possible implementation manner, in step S103, after determining whether the target financial product payment has been opened by the found bank account, the following steps may be specifically performed:
s1036: if the found bank account opens the payment of the target financial product, sending third prompt information whether to use the account balance and the target financial product for combined payment to the client;
the account balance may be a current account in a bank account, and the combined payment between the account balance and the target financial product may be a deduction of a portion of money from the account balance, and a portion of money from the target financial product, where the sum of the two portions of money is equal to the payment amount of the object to be transacted. In a possible implementation manner, if the found bank account opens the payment of the target financial product, the number of the target financial products in the bank account, the product information of each target financial product and the amount of money in the current account are determined.
In an embodiment of the application, the third prompt message includes a tool key corresponding to each target financial product and an account balance, in addition to the number of the target financial products in the bank account, the product information of each target financial product, and the amount of money in the account balance.
And sending the third prompt information to a client of the user, and determining whether to use the target financial product and the account balance for combined payment and determining which target financial product or products are used for combined payment with the account balance by the user according to the third prompt information displayed by the client.
S1037: and after receiving a confirmation instruction aiming at the third prompt message sent by the client, carrying out combined payment by using the account balance and the target financial product.
And the user clicks a tool key corresponding to the target financial product and the account balance in the screen of the client according to the third prompt message displayed by the client, and selects the target financial product and the account balance for combined payment.
In one possible implementation, the user selects one of the payment modes of the combined payment of the target financial product and the account balance, and specifically, the user can define the proportion for the combined payment by himself, for example, 40% is paid through the target financial product and 60% is deducted through the account balance; the user can also manually input the money to be deducted respectively according to the money in the target financing product and the money in the account balance, so as to achieve the purpose of carrying out combined payment by using the target financing product and the account balance.
In a specific embodiment, when the payment amount of the object to be traded is larger than the amount in the target financial product and is also larger than the amount in the account balance, the combined payment method can reduce the steps that the user extracts the amount in the target financial product into the account balance and pays.
In a possible implementation manner, in step S101, after receiving a bank account payment request sent by the client for the object to be transacted, the method further includes querying a right exchange amount corresponding to the object to be transacted.
The payment request further includes a right corresponding to the object to be transacted, and the right exchange limit may refer to how much amount the right of the object to be transacted can be exchanged for payment, where the right includes but is not limited to benefits such as coupons, points, discounts, red packets, and rebates that the user has the right to use. Inquiring which rights and interests of the object to be traded are, and calculating the amount of money which the rights and interests can be exchanged for payment.
After the above steps are carried out, step S103, that is, after determining whether the found bank account has opened the payment of the target financial product, as shown in the flowchart of another payment method shown in fig. 2, the following steps may be specifically performed:
s201: if the found bank account opens the payment of the target financial product, sending fourth prompt information whether to use the equity exchange amount, the account balance and the target financial product for combined payment to the client;
in a possible implementation manner, if the searched bank account opens the function of paying the target financing product, the payment amount of the object to be transacted and the rights and interests of the object to be transacted are determined, and how much amount the rights and interests can be exchanged for payment is determined, and the actual amount required to be paid by the user can be obtained by subtracting the rights and interests exchange amount from the payment amount of the object to be transacted.
The fourth prompt message includes the number of the target financing products in the bank account, the product information of each target financing product, the amount in the account balance and the equity exchange amount, and also includes tool keys corresponding to each target financing product, the account balance and the equity exchange amount.
And sending the fourth prompt information to a client of the user, and determining whether to use the equity exchange limit, the account balance and the target financial product for combined payment and determining which target financial product or products are used for combined payment with the account balance and the equity exchange limit by the user according to the fourth prompt information displayed by the client.
S202: and after receiving a confirmation instruction aiming at the fourth prompt message sent by the client, performing combined payment by using the equity exchange limit, the account balance and the target financial product.
And the user clicks tool keys corresponding to the target financing product, the account balance and the equity exchange amount in the screen of the client according to the fourth prompt message displayed by the client, and selects the target financing product, the account balance and the equity exchange amount to carry out combined payment.
In a possible implementation mode, a user selects one payment mode of combined payment of a target financing product, an account balance and a equity exchange amount, specifically, an actual payment amount is determined according to the amount of an object to be paid and the equity exchange amount, and the user can autonomously define the payment proportion of the target financing product and the account balance according to the actual payment amount.
In another possible embodiment, after the payment is completed, the payment information is sent to the equity account and the bank account, wherein the payment information includes, but is not limited to, information about the amount paid by each account when the payment is made, and the equity account includes, but is not limited to, an equity special account provided by an acceptance mechanism such as a red envelope, a rebate, a point and the like, a card issuing mechanism, a merchant platform and the like for the user. The bank account checks and cancels the payment information after receiving the payment information, and particularly deducts corresponding amount from the account balance and the target financing product; the right account receives the payment information and then carries out the verification and the cancellation, for example, a certain commodity only allows the same user to use the preference once, when the right account receives the payment and uses the preference, the right account eliminates the right of the preference, namely, when the user purchases the commodity for the second time, the right of the preference can not be used any more. Payment transaction processing, including but not limited to transaction status updates, etc., then occurs. And sending a payment result to the client, wherein the payment result comprises but is not limited to payment state, transaction amount, payment amount and the like.
In a possible implementation manner, in step S103, after determining whether the target financial product payment has been opened by the found bank account, the following steps may be specifically performed:
s1038: if the found bank account does not open the payment of the target financial product, sending fifth prompt information for judging whether to switch to other bank accounts to the client;
in a possible implementation manner, the fifth prompt message includes an account opening bank of other bank accounts and a bank card number, wherein the number of the other bank accounts is at least one; the bank account management system further comprises function keys corresponding to each bank account.
Specifically, if the found bank account does not have the function of opening the payment of the target financial product, the fifth prompt message is sent to the client, and the user selects whether to switch to another bank account for payment according to the fifth prompt message displayed in the client.
S1039: and after receiving a confirmation instruction aiming at the fifth prompt message sent by the client, switching to other bank accounts.
If the user selects to switch to one of other bank accounts for payment, the user clicks a function key corresponding to the bank account, namely sends a confirmation instruction, and then can directly switch to the bank account.
Based on the same technical concept, an embodiment of the present application further provides a payment apparatus, as shown in fig. 3, the schematic structural diagram of the payment apparatus includes:
the receiving module 301 is configured to receive a bank account payment request sent by a client for an object to be transacted; the bank account payment request carries the identity information of the user;
the searching module 302 is configured to search a bank account corresponding to the user according to the identity information of the user;
the first judgment module 303 is used for judging whether the searched bank account has opened the payment of the target financial product; the target financing product is a financing product which is taken at any time along with the deposit and is interest-bearing on the day;
a first sending module 304, configured to send, to the client, first prompt information indicating whether to use the target financial product for payment if the found bank account already opens the target financial product for payment;
and the first payment module 305 is used for paying by using the target financial product after receiving a confirmation instruction which is sent by the client and aims at the first prompt message.
In a possible implementation manner, the determining module 303, after being configured to determine whether the found bank account has opened the payment for the target financial product, includes:
the second sending module is used for sending second prompt information whether the target financial product payment is opened or not to the client if the target financial product payment is not opened in the searched bank account;
and the opening module is used for opening the payment of the target financial product after receiving the confirmation instruction aiming at the second prompt message sent by the client.
In a possible implementation manner, the determining module 303, after being configured to determine whether the found bank account has opened the payment for the target financial product, includes:
the third sending module is used for sending third prompt information whether to use the account balance to carry out combined payment with the target financial product to the client side if the found bank account opens the target financial product payment;
and the second payment module is used for performing combined payment with the target financial product by using the account balance after receiving a confirmation instruction aiming at the third prompt message sent by the client.
In a possible implementation manner, the foregoing receiving module 301, after being configured to receive a bank account payment request sent by a client for an object to be transacted, includes:
the first query module is used for querying the right exchange limit corresponding to the object to be traded;
the determining module 303 is configured to determine whether the found bank account has opened the target financial product payment, and includes:
the fourth sending module is used for sending fourth prompt information whether to use the equity exchange amount, the account balance and the target financial product for combined payment to the client side if the found bank account opens the target financial product payment;
and the third payment module is used for performing combined payment by using the equity exchange limit, the account balance and the target financial product after receiving a confirmation instruction aiming at the fourth prompt message sent by the client.
In one possible embodiment, the targeted financial product comprises any one or more of: funds, bonds, and credits.
In a possible implementation manner, the determining module 303, after being configured to determine whether the found bank account has opened the payment for the target financial product, includes:
the fifth sending module is used for sending fifth prompt information whether to switch to other bank accounts to the client if the found bank account does not open the payment of the target financial product;
and the switching module is used for switching to other bank accounts after receiving a confirmation instruction aiming at the fifth prompt message sent by the client.
In a possible implementation manner, the number of the found bank accounts is at least two, and the determining module 303, after being configured to determine whether the found bank account has opened the payment of the target financial product, includes:
the second query module is used for querying the use frequency of each bank account;
the determining module is used for determining the bank account with the highest use frequency as a target bank account;
and the second judgment module is used for judging whether the target bank account opens the payment of the target financial product.
It is clear to those skilled in the art that, for convenience and brevity of description, the specific working processes of the above-described systems, apparatuses and units may refer to the corresponding processes in the foregoing method embodiments, and are not described herein again.
Based on the same technical concept, an embodiment of the present application further provides an electronic device, as shown in fig. 4, which includes: a processor 401, a memory 402 and a bus 403, the memory storing execution instructions, the processor 401 and the memory 402 communicating via the bus 403 when the device is operating, the processor 401 executing the following execution instructions stored in the memory 402:
receiving a bank account payment request sent by a client aiming at an object to be transacted; the bank account payment request carries the identity information of the user;
searching a bank account corresponding to the user according to the identity information of the user;
judging whether the searched bank account opens the payment of the target financial product or not; the target financing product is a financing product which is taken at any time along with the deposit and is interest-bearing on the day;
if the found bank account opens the payment of the target financial product, sending first prompt information whether to use the target financial product for payment to the client;
and after receiving a confirmation instruction aiming at the first prompt message sent by the client, paying by using the target financial product.
In a possible implementation manner, after determining whether the found bank account has opened the target financial product payment, the processor 401 is specifically configured to:
if the found bank account does not open the payment of the target financial product, sending second prompt information for judging whether the payment of the target financial product is opened to the client;
and opening payment of the target financial product after receiving a confirmation instruction aiming at the second prompt message sent by the client.
In a possible implementation manner, after determining whether the found bank account has opened the target financial product payment, the processor 401 is specifically configured to:
if the found bank account opens the payment of the target financial product, sending third prompt information whether to use the account balance and the target financial product for combined payment to the client;
and after receiving a confirmation instruction aiming at the third prompt message sent by the client, carrying out combined payment by using the account balance and the target financial product.
In a possible implementation manner, after receiving a bank account payment request sent by the client for the object to be transacted, the processor 401 is specifically configured to:
inquiring the right exchange limit corresponding to the object to be traded;
after determining whether the found bank account has opened the payment of the target financial product, the processor 401 is specifically configured to:
if the found bank account opens the payment of the target financial product, sending fourth prompt information whether to use the equity exchange amount, the account balance and the target financial product for combined payment to the client;
and after receiving a confirmation instruction aiming at the fourth prompt message sent by the client, performing combined payment by using the rights and interests exchange amount, the account balance and the target financial product.
In one possible embodiment, the targeted financial product comprises any one or more of: funds, bonds, credits, and other financial products.
In a possible implementation manner, after determining whether the found bank account has opened the target financial product payment, the processor 401 is specifically configured to:
if the found bank account does not open the payment of the target financial product, sending fifth prompt information for judging whether to switch to other bank accounts to the client;
and after receiving a confirmation instruction aiming at the fifth prompt message sent by the client, switching to other bank accounts.
In one possible implementation, the number of the searched bank accounts is at least two; and judging whether the searched bank account opens the payment of the target financial product, wherein the processor 401 is specifically configured to:
inquiring the use frequency of each bank account;
determining the bank account with the highest use frequency as a target bank account;
and judging whether the target bank account opens the payment of the target financial product.
The computer program product for performing payment provided in the embodiment of the present application includes a computer-readable storage medium storing a nonvolatile program code executable by a processor, where instructions included in the program code may be used to execute the method described in the foregoing method embodiment, and specific implementation may refer to the method embodiment, and is not described herein again.
It is clear to those skilled in the art that, for convenience and brevity of description, the specific working processes of the above-described systems, apparatuses and units may refer to the corresponding processes in the foregoing method embodiments, and are not described herein again.
In the several embodiments provided in the present application, it should be understood that the disclosed system, apparatus and method may be implemented in other ways. The above-described embodiments of the apparatus are merely illustrative, and for example, the division of the units is only one logical division, and there may be other divisions when actually implemented, and for example, a plurality of units or components may be combined or integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection of devices or units through some communication interfaces, and may be in an electrical, mechanical or other form.
The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.
In addition, functional units in the embodiments of the present application may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit.
The functions, if implemented in the form of software functional units and sold or used as a stand-alone product, may be stored in a non-volatile computer-readable storage medium executable by a processor. Based on such understanding, the technical solution of the present application or portions thereof that substantially contribute to the prior art may be embodied in the form of a software product stored in a storage medium and including instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the steps of the method according to the embodiments of the present application. And the aforementioned storage medium includes: various media capable of storing program codes, such as a usb disk, a removable hard disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk, or an optical disk.
Finally, it should be noted that: the above-mentioned embodiments are only specific embodiments of the present application, and are used for illustrating the technical solutions of the present application, but not limiting the same, and the scope of the present application is not limited thereto, and although the present application is described in detail with reference to the foregoing embodiments, those skilled in the art should understand that: any person skilled in the art can modify or easily conceive the technical solutions described in the foregoing embodiments or equivalent substitutes for some technical features within the technical scope disclosed in the present application; such modifications, changes or substitutions do not depart from the spirit and scope of the exemplary embodiments of the present application, and are intended to be covered by the scope of the present application. Therefore, the protection scope of the present application shall be subject to the protection scope of the claims.
Claims (10)
1. A payment method, comprising:
receiving a bank account payment request sent by a client aiming at an object to be transacted; the bank account payment request carries the identity information of the user;
searching a bank account corresponding to the user according to the identity information of the user;
judging whether the searched bank account opens the payment of the target financial product or not; the target financing product is a financing product which is taken at any time along with storage and is interest-bearing on the day;
if the found bank account opens the payment of the target financial product, sending first prompt information whether to use the target financial product for payment to the client;
and after receiving a confirmation instruction aiming at the first prompt message sent by the client, paying by using a target financial product.
2. The payment method as claimed in claim 1, wherein the step of determining whether the found bank account has opened the payment of the target financial product comprises:
if the found bank account does not open the payment of the target financial product, sending second prompt information for judging whether the payment of the target financial product is opened to the client;
and opening payment of the target financial product after receiving a confirmation instruction aiming at the second prompt message sent by the client.
3. The payment method as claimed in claim 1, wherein the step of determining whether the found bank account has opened the payment of the target financial product comprises:
if the found bank account opens the payment of the target financial product, sending third prompt information whether to use the account balance and the target financial product for combined payment to the client;
and after receiving a confirmation instruction aiming at the third prompt message sent by the client, carrying out combined payment by using the account balance and the target financial product.
4. The payment method according to claim 1, wherein after receiving the bank account payment request sent by the client for the object to be transacted, the method comprises:
inquiring the right exchange limit corresponding to the object to be traded;
the step of judging whether the searched bank account opens the payment of the target financial product comprises the following steps:
if the found bank account opens the payment of the target financial product, sending fourth prompt information whether to use the equity exchange amount, the account balance and the target financial product for combined payment to the client;
and after receiving a confirmation instruction aiming at the fourth prompt message sent by the client, performing combined payment by using the equity exchange limit, the account balance and the target financial product.
5. A payment method as claimed in claim 1, wherein the target financial product comprises any one or more of: funds, bonds, and credits.
6. The payment method as claimed in claim 1, wherein the step of determining whether the found bank account has opened the payment of the target financial product comprises:
if the found bank account does not open the payment of the target financial product, sending fifth prompt information whether to switch to other bank accounts to the client;
and after receiving a confirmation instruction aiming at the fifth prompt message sent by the client, switching to other bank accounts.
7. The payment method according to claim 1, wherein the number of the bank accounts found is at least two;
the step of judging whether the searched bank account opens the payment of the target financial product comprises the following steps:
inquiring the use frequency of each bank account;
determining the bank account with the highest use frequency as a target bank account;
and judging whether the target bank account opens the payment of the target financial product.
8. A payment device, comprising:
the receiving module is used for receiving a bank account payment request sent by a client aiming at an object to be transacted; the bank account payment request carries the identity information of the user;
the searching module is used for searching a bank account corresponding to the user according to the identity information of the user;
the first judgment module is used for judging whether the searched bank account opens the payment of the target financial product; the target financing product is a financing product which is taken at any time along with storage and is interest-bearing on the day;
the first sending module is used for sending first prompt information whether to use the target financial product for payment to the client side if the found bank account opens the target financial product for payment;
and the first payment module is used for paying by using a target financial product after receiving a confirmation instruction aiming at the first prompt message sent by the client.
9. An electronic device, comprising: a processor, a memory and a bus, the memory storing machine-readable instructions executable by the processor, the processor and the memory communicating over the bus when the electronic device is operating, the machine-readable instructions when executed by the processor performing the steps of a payment method as claimed in any one of claims 1 to 7.
10. A computer-readable storage medium, characterized in that the computer-readable storage medium has stored thereon a computer program which, when being executed by a processor, carries out the steps of a payment method according to one of claims 1 to 7.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202110023039.5A CN112734435A (en) | 2021-01-08 | 2021-01-08 | Payment method, payment device, electronic equipment and computer-readable storage medium |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202110023039.5A CN112734435A (en) | 2021-01-08 | 2021-01-08 | Payment method, payment device, electronic equipment and computer-readable storage medium |
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Application publication date: 20210430 |