CN113409036A - Intelligent code scanning payment device, code scanning payment method and storage medium - Google Patents
Intelligent code scanning payment device, code scanning payment method and storage medium Download PDFInfo
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- G06Q20/327—Short range or proximity payments by means of M-devices
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Abstract
The embodiment of the application provides an intelligent code scanning payment device, a code scanning payment method and a storage medium, wherein when the intelligent code scanning payment device receives payment failure information returned by a third party payment platform corresponding to a first payment mode in response to a first payment request, the intelligent code scanning payment device can acquire an identifier of a second payment mode having a switching record with the first payment mode and a second payment account of a current payer user in the third party payment platform corresponding to the second payment mode based on a stored historical payment mode switching record, and send a second payment request to the third party payment platform corresponding to the second payment mode based on the second payment account, the third payment account and payment amount of the current payee user in the third party payment platform corresponding to the second payment mode. Therefore, the payment two-dimensional code picture of the third-party payment platform of the second payment mode does not need to be displayed again by the current payer user, the payment efficiency is improved, the user operation is simplified, and the payment experience is improved.
Description
Technical Field
The embodiment of the application relates to the technical field of mobile payment, in particular to an intelligent code scanning payment device, a code scanning payment method and a storage medium.
Background
With the continuous development of mobile payment technology, there are more and more third party payment platforms providing payment services, such as a pay bank payment platform, a wechat payment platform, a telecom wing payment platform, a health insurance card payment platform, and the like.
In order to improve payment convenience, the code scanning payment device is integrated with payment interfaces communicated with a plurality of third party payment platforms respectively, so that the code scanning payment device supports a plurality of payment modes, such as a payment treasure payment mode, a WeChat payment mode, a telecom wing payment mode and a doctor insurance card payment mode.
At present, when a payer user needs to pay for a payee user, an intelligent code scanning payment device firstly scans a payment code picture displayed by the payer user, acquires payment account information of the payer user and automatically identifies a currently adopted payment mode; and then, the intelligent code scanning payment device calls the matched payment interface to send a payment request to the corresponding third-party payment platform, so that the third-party payment platform transfers the amount of money in the payment account of the payer user to the payment account of the payee user, and the operation of paying the payee user by the payer user is completed.
In practical applications, the intelligent code scanning payment device may receive a payment failure message returned by the currently requested third party payment platform. When the situation occurs, the payee user generally prompts the payer user to switch payment modes, and when the payee user agrees to switch payment modes, firstly, the payee user closes currently opened payment software on the terminal device of the payee user, opens the payment software corresponding to the switched payment mode, and triggers and displays a corresponding payment code picture on the payment software. And then, the intelligent code scanning payment equipment re-executes the scanning operation of the payment code picture and requests the corresponding third party payment platform to execute the payment operation.
Obviously, sign indicating number payment equipment is being switched payment methods to current intelligence, and user operation is comparatively loaded down with trivial details, and payment efficiency is low, influences payment experience.
Disclosure of Invention
The embodiment of the application provides an intelligent code scanning payment device, a code scanning payment method and a storage medium, which are used for improving payment efficiency and user payment experience.
In a first aspect, an embodiment of the present application provides an intelligent code scanning payment device, including: the payment system comprises a memory, a processor and at least two payment interfaces, wherein the memory is connected with the processor, and the at least two payment interfaces are respectively connected with the processor;
the memory is used for storing historical payment mode switching records, and the historical payment mode switching records at least comprise an identifier of a payment mode before switching, an identifier of a payment mode after switching, a payment account number in a third-party payment platform corresponding to the payment mode before switching of a payer user and a payment account number in a third-party payment platform corresponding to the payment mode after switching of the payer user;
the processor is used for inquiring the historical payment mode switching record in the memory according to the identifier of the first payment mode and the first payment account number of the current payer user in the third party payment platform corresponding to the first payment mode when receiving payment failure information returned by the third party payment platform corresponding to the first payment mode in response to the first payment request, and obtaining the identifier of a second payment mode with the switching record of the first payment mode and the second payment account number of the current payer user in the third party payment platform corresponding to the second payment mode; generating a second payment request according to the second payment account, a third payment account and payment amount of the current payee user in a third-party payment platform corresponding to the second payment mode; selecting a payment interface corresponding to the second payment mode from the at least two payment interfaces according to the identifier of the second payment mode;
and the payment interface corresponding to the second payment mode is used for sending the second payment request to a third party payment platform corresponding to the second payment mode so that the third party payment platform corresponding to the second payment mode transfers the amount of money under the second payment account number to the third payment account number, and the current payer user can pay to the current payee user.
In a second aspect, an embodiment of the present application provides a code scanning payment method, including:
storing a historical payment mode switching record, wherein the historical payment mode switching record at least comprises an identifier of a payment mode before switching, an identifier of a payment mode after switching, a payment account number in a third-party payment platform corresponding to the payment mode before switching of a payer user and a payment account number in the third-party payment platform corresponding to the payment mode after switching of the payer user;
when payment failure information returned by a third party payment platform corresponding to a first payment mode in response to a first payment request is received, inquiring a stored historical payment mode switching record according to an identifier of the first payment mode and a first payment account number of a current payer user in the third party payment platform corresponding to the first payment mode, and obtaining an identifier of a second payment mode having the switching record with the first payment mode and a second payment account number of the current payer user in the third party payment platform corresponding to the second payment mode; generating a second payment request according to the second payment account, a third payment account and payment amount of the current payee user in a third-party payment platform corresponding to the second payment mode;
and sending the second payment request to a third party payment platform corresponding to the second payment mode so that the third party payment platform corresponding to the second payment mode transfers the amount of money under the second payment account to a third payment account, so that the current payer user can pay for the current payee user.
In a third aspect, an embodiment of the present application provides a computer-readable storage medium, which stores a computer program, and when the computer program is executed by a computer, the computer program implements the above method.
In the embodiment of the application, when payment failure information returned by a third party payment platform corresponding to a first payment mode in response to a first payment request is received, the intelligent code scanning payment device can acquire an identifier of a second payment mode having a switching record with the first payment mode and a second payment account of a current payer user in the third party payment platform corresponding to the second payment mode based on a stored historical payment mode switching record, and send a second payment request to the third party payment platform corresponding to the second payment mode based on the second payment account, a third payment account and a payment amount of the current payee user in the third party payment platform corresponding to the second payment mode. Therefore, when payment failure information returned by the third-party payment platform corresponding to the first payment mode in response to the first payment request is received, the current payer user does not need to show the payment two-dimensional code picture of the third-party payment platform of the second payment mode again, the third payment account number of the current payer user in the third-party payment platform corresponding to the second payment mode can be obtained, the payment two-dimensional code picture does not need to be identified again, the payment efficiency is improved, the user operation is simplified, and the payment experience is improved.
These and other aspects of the present application will be more readily apparent from the following description of the embodiments.
Drawings
In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings needed to be used in the description of the embodiments or the prior art will be briefly described below, and it is obvious that the drawings in the following description are some embodiments of the present application, and other drawings can be obtained by those skilled in the art without creative efforts.
Fig. 1 is a schematic structural diagram of an intelligent code-scanning payment device provided in an embodiment of the present application;
fig. 2 is a schematic structural diagram of another intelligent code-scanning payment device provided in the embodiment of the present application;
fig. 3 is a flowchart of a code scanning payment method according to an embodiment of the present disclosure.
Detailed Description
In order to make the technical solutions better understood by those skilled in the art, 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.
In some of the flows described in the specification and claims of this application and in the above-described figures, a number of operations are included that occur in a particular order, but it should be clearly understood that these operations may be performed out of order or in parallel as they occur herein, the number of operations, e.g., 101, 102, etc., merely being used to distinguish between various operations, and the number itself does not represent any order of performance. Additionally, the flows may include more or fewer operations, and the operations may be performed sequentially or in parallel. It should be noted that, the descriptions of "first", "second", etc. in this document are used for distinguishing different messages, devices, modules, etc., and do not represent a sequential order, nor limit the types of "first" and "second" to be different.
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.
Fig. 1 is a schematic structural diagram of an intelligent code-scanning payment device provided in an embodiment of the present application. Referring to fig. 1, the intelligent code-scanning payment device may include: the payment system comprises a memory 11, a processor 10 and at least two payment interfaces 12, wherein the memory 11 is connected with the processor 10, and the at least two payment interfaces 12 are respectively connected with the processor 10;
the memory 11 is used for storing a historical payment mode switching record, wherein the historical payment mode switching record at least comprises an identifier of a payment mode before switching, an identifier of a payment mode after switching, a payment account number in a third-party payment platform corresponding to the payment mode before switching of a payer user and a payment account number in the third-party payment platform corresponding to the payment mode after switching of the payer user;
the processor 10 is configured to, when receiving payment failure information returned by a third-party payment platform corresponding to the first payment means in response to the first payment request, query a historical payment means switching record in the memory 11 according to an identifier of the first payment means and a first payment account of a current payer user in the third-party payment platform corresponding to the first payment means, and obtain an identifier of a second payment means having the switching record with the first payment means and a second payment account of the current payer user in the third-party payment platform corresponding to the second payment means; generating a second payment request according to the second payment account, a third payment account and the payment amount of the current payee user in a third-party payment platform corresponding to the second payment mode; selecting a payment interface 12 corresponding to the second payment mode from the at least two payment interfaces 12 according to the identifier of the second payment mode;
and the payment interface 12 corresponding to the second payment mode is configured to send a second payment request to a third party payment platform corresponding to the second payment mode, so that the third party payment platform corresponding to the second payment mode transfers the amount of money under the second payment account to a third payment account, so that the current payer user pays the current payee user.
It should be noted that each payment interface 12 of the at least two payment interfaces 12 is a medium for data transmission between the intelligent code scanning payment device and the corresponding third-party payment platform; in addition, different payment interfaces 12 correspond to different third party payment platforms.
It should be noted that the first payment method and the second payment method may be any one of a plurality of payment methods supported by the intelligent code scanning payment device, and the first payment method is different from the second payment method.
It should be noted that the functions of the processor 10 may be implemented by using programmable units such as a Central Processing Unit (CPU), a microprocessor 10, a microcontroller, a Digital Signal Processing (DSP) chip, a Field Programmable Gate Array (FPGA), and the like.
For the code scanning payment scenario, the intelligent code scanning payment device may record payment log information and store the payment log information in the memory 11. The information recorded by the payment log information is not limited in the embodiment of the application, and the payment log information can record the payment amount of each payment, the identification of the payment mode, the payment account number of the payer user, the payment mode switching event and the like. Historical payment mode switching records can be obtained by performing data mining on payment log information. The historical payment mode switching record at least comprises an identifier of a payment mode before switching, an identifier of a payment mode after switching, a payment account number in a third-party payment platform corresponding to the payment mode before switching of a payer user and a payment account number in the third-party payment platform corresponding to the payment mode after switching of the payer user.
In practical application, the intelligent code-scanning payment device may first scan a payment code picture displayed by a payer user by using the two-dimensional code scanning module 14, so as to automatically identify a payment mode selected by a current payer user as a first payment mode, and obtain a first payment account number of the current payer user in a third-party payment platform corresponding to the first payment mode.
Then, the information obtained by scanning by the two-dimensional code scanning module 14 is sent to the processor 10, the processor 10 generates a first payment request according to a first payment account number of the current payer user in the third-party payment platform corresponding to the first payment mode, a payment account number of the current payee user in the third-party payment platform corresponding to the first payment mode and the payment amount, and calls the payment interface 12 of the first payment mode to send the first payment request to the third-party payment platform of the first payment mode; if the balance of the account of the payer user in the first payment account of the third party payment platform corresponding to the first payment method is insufficient, or even if the first payment account is bound with a bank card, the amount of money in the bank card is still insufficient for paying the payment amount to be paid to the payee user, at this time, the third party payment platform corresponding to the first payment method responds to the first payment request and returns payment failure information to the processor 10 through the corresponding payment interface 12.
When receiving the payment failure information returned by the third party payment platform corresponding to the first payment method in response to the first payment request, the processor 10 may first query the stored historical payment method switching record to determine whether the payer user needs to re-display the payment two-dimensional code picture of another third party payment platform.
Specifically, the processor 10 queries the historical payment method switching record in the memory 11 according to the identifier of the first payment method and the first payment account of the current payer user in the third-party payment platform corresponding to the first payment method, if the identifier of the second payment method having the switching record with the first payment method and the second payment account of the current payer user in the third-party payment platform corresponding to the second payment method are obtained, at this time, the payer user may not be required to re-display the two-dimensional code payment picture of another third-party payment platform, the processor 10 generates a second payment request according to the second payment account, the third payment account and the payment amount of the current payee user in the third-party payment platform corresponding to the second payment method, and invokes the payment interface 12 corresponding to the second payment method to send the second payment request to the third-party payment platform corresponding to the second payment method, and transferring the amount under the second payment account to a third payment account by a third party payment platform corresponding to the second payment mode so as to realize that the current payer user pays to the current payee user.
When receiving payment failure information returned by a third party payment platform corresponding to a first payment mode in response to a first payment request, the intelligent code scanning payment device provided by the embodiment of the application can acquire an identifier of a second payment mode having a switching record with the first payment mode and a second payment account of a current payer user in the third party payment platform corresponding to the second payment mode based on a stored historical payment mode switching record, and send a second payment request to the third party payment platform corresponding to the second payment mode based on the second payment account, a third payment account and payment amount of the current payee user in the third party payment platform corresponding to the second payment mode. Therefore, when payment failure information returned by the third-party payment platform corresponding to the first payment mode in response to the first payment request is received, the current payer user does not need to show the payment two-dimensional code picture of the third-party payment platform of the second payment mode again, the third payment account number of the current payer user in the third-party payment platform corresponding to the second payment mode can be obtained, the payment two-dimensional code picture does not need to be identified again, the payment efficiency is improved, the user operation is simplified, and the payment experience is improved.
In practical applications, the payer user may not want to switch to the second payment method for payment when the first payment method fails to pay, or the payer user may log out the third payment account in the second payment method. Therefore, in order to ensure payment reliability, it is necessary to identify whether the payer user has an intention to switch the payment method and ask the payer user whether the third payment account is correct.
Therefore, in some embodiments, before generating the second payment request according to the second payment account, the third payment account and the payment amount of the current payee user in the third-party payment platform corresponding to the second payment method, the processor 10 is further configured to: outputting inquiry information, wherein the inquiry information is used for inquiring whether the current payer user confirms to adopt the second payment mode for payment and inquiring whether the second payment account number in the second payment mode is correct; and when receiving the confirmation information fed back by the current payer user, generating a second payment request according to the second payment account, a third payment account and the payment amount of the current payee user in a third-party payment platform corresponding to the second payment mode.
The confirmation information indicates that the current payer user confirms that the payment is carried out in the second payment mode and the third payment account in the second payment mode is correct.
The intelligent code scanning payment device may display the inquiry information by using the mounted display module 15 or play the inquiry information by using the mounted voice module 16, but is not limited thereto.
It should be understood that, if the current payer user feeds back rejection information for rejecting payment in the second payment method or information that a third payment account to be confirmed is incorrect, in order to ensure payment reliability, the intelligent code scanning payment device may require the payer user to re-display a new payment code picture of the third party payment platform, perform a scanning operation on the new payment code picture, and request the corresponding third party payment platform to perform a payment operation.
In practical application, the intelligent code scanning payment device may record multiple historical payment mode switching records of the same payer user. For example, the same payer user has a record of switching the first payment method to the second payment method, a record of switching the first payment method to the third payment method, and a record of switching the fourth payment method to the first payment method. At this time, the result of the query that the processor 10 looks up the memory 11 is: the plurality of candidate other payment methods having the switching record with the first payment method are other payment methods such as a second payment method, a third payment method, a fourth payment method and the like.
In practical application, when there are a plurality of candidate other payment manners having switching records with the first payment manner, one of the plurality of candidate other payment manners may be selected as the second payment manner.
In an optional implementation manner, if the query memory 11 obtains the identifiers of the multiple candidate other payment manners having the switching record with the first payment manner, before obtaining the identifier of the second payment manner having the switching record with the first payment manner and the second payment account of the current payer user in the third party payment platform corresponding to the second payment manner, the processor 10 is further configured to: and selecting a second payment method from the plurality of candidate other payment methods according to the payment method selection priority.
It should be noted that, when the payment fails to be performed by using the second payment method selected from the plurality of candidate other payment methods, a new second payment method may be selected from the remaining plurality of candidate other payment methods according to the payment method selection priority until the payment succeeds by using the new second payment method or no remaining candidate other payment methods exist.
The higher the priority of the payment mode selection is, the higher the priority of the corresponding payment mode selection is.
In an optional embodiment, in order to meet the personalized requirements of the intelligent code-scanning payment device, the payment mode selection priority may be a priority set by a payee user corresponding to the intelligent code-scanning payment device.
In an alternative embodiment, the payment method selection priority may be a priority set by the payer user in order to meet the personalized needs of the payer user. For example, the intelligent code-scanning payment device displays a plurality of candidate other payment modes for the payer user to view, the payer user inputs the payment mode priority ranking information through the man-machine interaction module of the intelligent code-scanning payment device, and the intelligent code-scanning payment device determines the payment mode selection priority of each of the candidate other payment modes based on the payment mode priority ranking information input by the payer user.
In some embodiments, referring to fig. 2, in order to ensure payment reliability, the intelligent code-scanning payment device may further include: the two-dimensional code scanning module 14, the two-dimensional code scanning module 14 is connected with the processor 10;
the processor 10 is further configured to send a scanning request to the two-dimensional code scanning module 14 when the memory 11 does not have an identifier of a second payment method having a switching record with the first payment method or when payment failure information returned by a third-party payment platform corresponding to the second payment method in response to the second payment request is received;
the two-dimensional code scanning module 14 is configured to scan a payment code two-dimensional code picture of a third payment method shown by the current payer user according to the scanning request, and obtain an identifier of the third payment method and a third payment account of the current payer user in a third-party payment platform corresponding to the third payment method;
the processor 10 is further configured to generate a third payment request according to the third payment account, a fourth payment account and a payment amount of the current payee user in a third-party payment platform corresponding to the third payment mode; selecting a payment interface 12 corresponding to the third payment mode from the at least two communication interfaces according to the identifier of the third payment mode;
and the payment interface 12 corresponding to the third payment mode is configured to send a third payment request to a third party payment platform corresponding to the third payment mode, so that the third party payment platform corresponding to the third payment mode transfers the amount of money under the third payment account to a fourth payment account, so that the current payer user pays the current payee user.
It should be understood that the third payment method may be any one of a plurality of payment methods supported by the intelligent code scanning payment device, and the third payment method is different from both the first payment method and the second payment method.
The two-dimensional code scanning module 14 is a module that scans a two-dimensional code picture and decodes the two-dimensional code picture to obtain two-dimensional code information. The two-dimensional code scanning module 14 is described in detail in the related art.
In some embodiments, in order to facilitate subsequent switching between the third payment method and the first payment method, the processor 10 is further configured to store a current payment method switching record in the memory 11, where the current payment method switching record includes an identifier of the first payment method, a first payment account number of the current payer user in a third party payment platform corresponding to the first payment method, an identifier of the third payment method, and a third payment account number of the current payer user in a third party payment platform corresponding to the third payment method.
In some embodiments, referring to fig. 2, the intelligent code-scanning payment device may further include: a voice module 16 and/or a light module 17;
the voice module 16 is connected to the processor 10, and is configured to play a voice message prompting the current payment method under the control of the processor 10; and/or the presence of a gas in the gas,
the light module 17 is connected to the processor 10 and is configured to display light of a corresponding color under the control of the processor 10 to prompt a current payment method.
It is worth noting that different colors of light suggest different payment methods.
It should be noted that, when the processor 10 switches the payment method each time, the voice module 16 is controlled to prompt the current payment method by voice or the light module 17 is controlled to prompt the current payment method by light with a matched color, so as to meet the cognitive requirement of the user on the current payment method.
In practical application, the two-dimensional code picture based on payment may not be paid successfully, and in order to guarantee payment reliability, the intelligent code scanning payment device can also pay based on a collection two-dimensional code picture.
Thus, in some embodiments, referring to fig. 2, the intelligent code-scanning payment device may further include: a two-dimensional code generation module 13 and a display module 15;
the two-dimensional code generating module 13 is connected to the processor 10, and is configured to generate a two-dimensional code picture of money collection corresponding to the user of the money collection party, and store the two-dimensional code picture of money collection in the memory 11;
the processor 10 is further configured to send a display request including the identifier of the two-dimensional code picture to the display module 15;
and the display module 15 is configured to obtain the two-dimensional code picture from the memory 11 according to the two-dimensional code picture identifier in the display request, and display the two-dimensional code picture.
The two-dimensional code generation module 13 is a module having a function of generating a two-dimensional code. See the related art for the two-dimensional code generation module 13.
The display module 15 includes a screen, which may include a Liquid Crystal Display (LCD) and a Touch Panel (TP). If the screen includes a touch panel, the screen may be implemented as a touch screen to receive an input signal from a user. The touch panel includes one or more touch sensors to sense touch, slide, and gestures on the touch panel. The touch sensor may not only sense the boundary of a touch or slide action, but also detect the duration and pressure associated with the touch or slide operation.
In practical application, in order to improve the resource utilization rate of the intelligent code scanning payment equipment, the intelligent code scanning payment equipment can also have an advertisement marketing function.
Thus, in some embodiments, referring to fig. 2, the intelligent code-scanning payment device may further include: a camera 18;
the camera 18, the camera 18 is connected with the processor 10, and is used for collecting image data including the current payer user;
the processor 10 is further configured to perform image recognition on the image data to obtain an expression recognition result of the current payer user and/or a user group feature to which the current payer user belongs; sending an advertisement issuing request to an advertisement issuing system, receiving an advertisement to be pushed returned by the advertisement issuing system according to the expression recognition result of the current payer user, the user group characteristic of the current payer user and the current payment scene characteristic in the advertisement issuing request, storing the advertisement to be pushed into a memory 11, and sending an advertisement display request to a display module 15 when an advertisement display condition is met;
and the display module 15 is used for acquiring the advertisement to be pushed from the memory 11 according to the advertisement identifier to be pushed in the advertisement display request and displaying the advertisement to be pushed.
It should be noted that the advertisement display condition is set according to specific business requirements, for example, the current time is the advertisement display time, or the intelligent code scanning payment device detects a payment event, etc.
It should be noted that, in order to make advertising marketing have the effect of thousands of people, the intelligent code scanning payment device collects the image data of the current payer user through the additional camera 18, and identifies the expression identification result of the current payer user and the user group characteristics to which the current payer user belongs through a built-in AI (artificial intelligence) algorithm. The expression recognition result is, for example, happy, negative, flat, or the like. The user group characteristics are, for example, young, old, middle aged, etc.
In addition, in order to enable the advertisement marketing to cope with different payment scenes, the intelligent code scanning payment equipment can also carry the current payment scene characteristics in an advertisement issuing request issued to the advertisement delivery system. The current payment scene characteristics are set according to actual business requirements, and include a payment stage, whether the payment amount is a large amount or not, and the like. The payment stages are, for example, a pre-payment stage, a mid-payment stage, and a post-payment stage.
The advertisement service platform may be understood as a system for providing advertisements, and may be a third-party advertisement platform such as a hundred-degree advertisement delivery system, an Tencent advertisement delivery system, or an advertisement service platform of the intelligent code scanning payment device itself. The intelligent code scanning payment device is provided with an advertisement interface which is communicated with the advertisement service platform, sends an advertisement issuing request to the advertisement delivery system through the advertisement interface, and receives the advertisement to be pushed, which is returned by the advertisement delivery system.
On the basis of the above embodiment, referring to fig. 2, the intelligent code-scanning payment device may further include a Human-machine interaction (Human Interface) module 21 connected to the processor 10. The man-machine interaction module 21 is a module directly interacting with people, and can help a payee user to use the intelligent payment device more conveniently and quickly. The human-computer interaction module 21 includes, but is not limited to, for example, keys, a touch screen, a keyboard, a mouse, and the like.
On the basis of the above embodiment, the intelligent code scanning payment device may further include a power supply module 20, configured to supply power to each module in the intelligent code scanning payment device.
In some embodiments, referring to fig. 2, the smart payment device may further include: at least one of the following communication modules 19: bluetooth module, 5G module, 4G module, short-range wireless communication module 19.
It should be understood that different communication modules 19 may enable the intelligent payment device to support different modes of communication, and communicate with different devices through different communication modules 19.
Fig. 3 is a flowchart of a code scanning payment method according to an embodiment of the present disclosure. Referring to fig. 3, the code scanning payment method may include:
301. storing a historical payment mode switching record, wherein the historical payment mode switching record at least comprises an identifier of a payment mode before switching, an identifier of a payment mode after switching, a payment account number in a third-party payment platform corresponding to the payment mode before switching of a payer user and a payment account number in the third-party payment platform corresponding to the payment mode after switching of the payer user;
302. when payment failure information returned by a third party payment platform corresponding to the first payment mode in response to the first payment request is received, inquiring a stored historical payment mode switching record according to an identifier of the first payment mode and a first payment account number of a current payer user in the third party payment platform corresponding to the first payment mode, and obtaining an identifier of a second payment mode having the switching record with the first payment mode and a second payment account number of the current payer user in the third party payment platform corresponding to the second payment mode; generating a second payment request according to the second payment account, a third payment account and the payment amount of the current payee user in a third-party payment platform corresponding to the second payment mode;
303. and sending a second payment request to a third party payment platform corresponding to the second payment mode so that the third party payment platform corresponding to the second payment mode transfers the amount of money under the second payment account number to a third payment account number, and the current payer user can pay for the current payee user.
In some embodiments, before generating the second payment request according to the second payment account, the third payment account and the payment amount of the current payee user in the third party payment platform corresponding to the second payment method, the method may further include:
outputting inquiry information, wherein the inquiry information is used for inquiring whether the current payer user confirms to adopt the second payment mode for payment and inquiring whether the second payment account number in the second payment mode is correct;
and when receiving the confirmation information fed back by the current payer user, generating a second payment request according to the second payment account, a third payment account and the payment amount of the current payee user in a third-party payment platform corresponding to the second payment mode.
In some embodiments, if the query obtains the identifiers of the candidate other payment manners having the switching record with the first payment manner, before obtaining the identifier of the second payment manner having the switching record with the first payment manner and the second payment account of the current payer user in the third party payment platform corresponding to the second payment manner, the method may further include:
and selecting a second payment method from the plurality of candidate other payment methods according to the payment method selection priority.
In some embodiments, the method may further comprise: when the identifier of the second payment mode with switching record with the first payment mode does not exist or when payment failure information returned by a third-party payment platform corresponding to the second payment mode in response to the second payment request is received, scanning a payment code two-dimensional code picture of a third payment mode displayed by a current payer user to obtain the identifier of the third payment mode and a third payment account number of the current payer user in the third-party payment platform corresponding to the third payment mode; generating a third payment request according to the third payment account, a fourth payment account and payment amount of the current payee user in a third-party payment platform corresponding to the third payment mode; and sending a third payment request to a third party payment platform corresponding to the third payment mode so that the third party payment platform corresponding to the third payment mode transfers the amount of money under the third payment account to a fourth payment account, and the current payer user can pay for the current payee user.
In some embodiments, the method may further comprise: and storing a current payment mode switching record, wherein the current payment mode switching record comprises an identifier of a first payment mode, a first payment account number of a current payer user in a third party payment platform corresponding to the first payment mode, an identifier of a third payment mode, and a third payment account number of the current payer user in a third party payment platform corresponding to the third payment mode.
In some embodiments, the method may further comprise: playing voice information prompting the current payment mode; and/or displaying light with corresponding colors to prompt the current payment mode.
In some embodiments, the method may further comprise: generating a collection two-dimensional code picture corresponding to a collection user, and storing the collection two-dimensional code picture; and acquiring the stored two-dimensional code picture for collection, and displaying the two-dimensional code picture for collection.
In some embodiments, the method may further comprise: collecting image data including a current payer user; performing image recognition on the image data to obtain an expression recognition result of the current payer user and/or a user group characteristic of the current payer user; sending an advertisement issuing request to an advertisement issuing system, receiving an advertisement to be pushed returned by the advertisement issuing system according to the expression recognition result of the current payer user, the user group characteristic of the current payer user and the current payment scene characteristic in the advertisement issuing request, storing the advertisement to be pushed, and acquiring and displaying the stored advertisement to be pushed when the advertisement display condition is met.
The code scanning payment method provided by the embodiment of the application can be specifically referred to the description of the intelligent code scanning payment device, and is not repeated here.
Through the above description of the embodiments, those skilled in the art will clearly understand that each embodiment can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware. With this understanding in mind, the above-described technical solutions may be embodied in the form of a software product, which can be stored in a computer-readable storage medium, such as ROM/RAM, magnetic disk, optical disk, etc., and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device, etc.) to execute the methods of the various embodiments or some parts of the embodiments.
Finally, it should be noted that: the above embodiments are only used to illustrate the technical solutions of the present application, and not to limit the same; although the present application has been described in detail with reference to the foregoing embodiments, it should be understood by those of ordinary skill in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some technical features may be equivalently replaced; and such modifications or substitutions do not depart from the spirit and scope of the corresponding technical solutions in the embodiments of the present application.
Claims (10)
1. The utility model provides a sign indicating number payment equipment is swept to intelligence, includes: the payment system comprises a memory, a processor and at least two payment interfaces, wherein the memory is connected with the processor, and the at least two payment interfaces are respectively connected with the processor;
the memory is used for storing historical payment mode switching records, and the historical payment mode switching records at least comprise an identifier of a payment mode before switching, an identifier of a payment mode after switching, a payment account number in a third-party payment platform corresponding to the payment mode before switching of a payer user and a payment account number in a third-party payment platform corresponding to the payment mode after switching of the payer user;
the processor is used for inquiring the historical payment mode switching record in the memory according to the identifier of the first payment mode and the first payment account number of the current payer user in the third party payment platform corresponding to the first payment mode when receiving payment failure information returned by the third party payment platform corresponding to the first payment mode in response to the first payment request, and obtaining the identifier of a second payment mode with the switching record of the first payment mode and the second payment account number of the current payer user in the third party payment platform corresponding to the second payment mode; generating a second payment request according to the second payment account, a third payment account and payment amount of the current payee user in a third-party payment platform corresponding to the second payment mode; selecting a payment interface corresponding to the second payment mode from the at least two payment interfaces according to the identifier of the second payment mode;
and the payment interface corresponding to the second payment mode is used for sending the second payment request to a third party payment platform corresponding to the second payment mode so that the third party payment platform corresponding to the second payment mode transfers the amount of money under the second payment account number to the third payment account number, and the current payer user can pay to the current payee user.
2. The intelligent code-scanning payment device of claim 1, wherein before generating a second payment request according to the second payment account, a third payment account and a payment amount of a current payee user in a third-party payment platform corresponding to the second payment method, the processor is further configured to:
outputting inquiry information, wherein the inquiry information is used for inquiring whether the current payer user confirms to adopt a second payment mode for payment and inquiring whether the second payment account number in the second payment mode is correct;
and when receiving the confirmation information fed back by the current payer user, generating a second payment request according to the second payment account, a third payment account and the payment amount of the current payee user in a third-party payment platform corresponding to the second payment mode.
3. The intelligent code-scanning payment device of claim 1, wherein if the memory is queried to obtain the identifiers of the candidate other payment manners having the switching record with the first payment manner, before obtaining the identifier of the second payment manner having the switching record with the first payment manner and the second payment account number of the current payer user in the third-party payment platform corresponding to the second payment manner, the processor is further configured to:
selecting the second payment method from a plurality of candidate other payment methods according to the payment method selection priority.
4. The intelligent code-scanning payment device of any one of claims 1 to 3, further comprising: the two-dimensional code scanning module is connected with the processor;
the processor is further configured to send a scanning request to the two-dimensional code scanning module when the memory does not have an identifier of a second payment method having a switching record with the first payment method or when payment failure information returned by a third-party payment platform corresponding to the second payment method in response to the second payment request is received;
the two-dimension code scanning module is used for scanning a payment code two-dimension code picture of a third payment mode displayed by the current payer user according to the scanning request to obtain an identifier of the third payment mode and a third payment account number of the current payer user in a third party payment platform corresponding to the third payment mode;
the processor is further configured to generate a third payment request according to the third payment account, a fourth payment account and a payment amount of the current payee user in a third-party payment platform corresponding to the third payment mode; selecting a payment interface corresponding to the third payment mode from the at least two communication interfaces according to the identifier of the third payment mode;
and the payment interface corresponding to the third payment mode is used for sending the third payment request to a third party payment platform corresponding to the third payment mode so that the third party payment platform corresponding to the third payment mode transfers the amount of money under the third payment account number to the fourth payment account number to realize that the current payer user pays to the current payee user.
5. The intelligent code-scanning payment device of claim 4,
the processor is further configured to store a current payment method switching record in the memory, where the current payment method switching record includes an identifier of a first payment method, a first payment account of a current payer user in a third party payment platform corresponding to the first payment method, an identifier of a third payment method, and a third payment account of the current payer user in a third party payment platform corresponding to the third payment method.
6. The intelligent code-scanning payment device of any one of claims 1 to 3, further comprising: a voice module and/or a light module;
the voice module is connected with the processor and used for playing voice information prompting the current payment mode under the control of the processor; and/or the presence of a gas in the gas,
the light module is connected with the processor and used for displaying light with corresponding colors under the control of the processor so as to prompt the current payment mode.
7. The intelligent code-scanning payment device of any one of claims 1 to 3, further comprising: the device comprises a two-dimensional code generation module and a display module; the two-dimensional code generation module and the display module are respectively connected with the processor;
the two-dimensional code generating module is used for generating a collection two-dimensional code picture corresponding to the collection user and storing the collection two-dimensional code picture into the memory;
the processor is also used for sending a display request comprising the collection two-dimensional code picture identification to the display module;
the display module is used for acquiring the collection two-dimensional code picture from the memory according to the collection two-dimensional code picture identification in the display request and displaying the collection two-dimensional code picture.
8. The intelligent code-scanning payment device of any one of claims 1 to 3, further comprising:
a camera;
the camera is connected with the processor and used for collecting image data including the current payer user;
the processor is further configured to perform image recognition on the image data, and obtain an expression recognition result of the current payer user and/or a user group feature to which the current payer user belongs; sending an advertisement issuing request to the advertisement issuing system, receiving an advertisement to be pushed returned by the advertisement issuing system according to the expression recognition result of the current payer user, the user group characteristic of the current payer user and the current payment scene characteristic in the advertisement issuing request, storing the advertisement to be pushed into the memory, and sending an advertisement display request to the display module when an advertisement display condition is met;
and the display module is used for acquiring the advertisement to be pushed from the memory according to the advertisement identification to be pushed in the advertisement display request and displaying the advertisement to be pushed.
9. A code scanning payment method, comprising:
storing a historical payment mode switching record, wherein the historical payment mode switching record at least comprises an identifier of a payment mode before switching, an identifier of a payment mode after switching, a payment account number in a third-party payment platform corresponding to the payment mode before switching of a payer user and a payment account number in the third-party payment platform corresponding to the payment mode after switching of the payer user;
when payment failure information returned by a third party payment platform corresponding to a first payment mode in response to a first payment request is received, inquiring a stored historical payment mode switching record according to an identifier of the first payment mode and a first payment account number of a current payer user in the third party payment platform corresponding to the first payment mode, and obtaining an identifier of a second payment mode having the switching record with the first payment mode and a second payment account number of the current payer user in the third party payment platform corresponding to the second payment mode; generating a second payment request according to the second payment account, a third payment account and payment amount of the current payee user in a third-party payment platform corresponding to the second payment mode;
and sending the second payment request to a third party payment platform corresponding to the second payment mode so that the third party payment platform corresponding to the second payment mode transfers the amount of money under the second payment account to a third payment account, so that the current payer user can pay for the current payee user.
10. A computer-readable storage medium, in which a computer program is stored which, when being executed by a computer, carries out the method of claim 9.
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