CN114092078A - Method, device, equipment and storage medium for payment - Google Patents

Abstract

The embodiment of the invention provides a payment-for-replacement method, a device, equipment and a storage medium. The method comprises the following steps: acquiring a user identifier of an order service and a payment-on-behalf relation corresponding to the user identifier; analyzing first generation payment information in the generation payment relationship, wherein the first generation payment information comprises a user identifier and a to-be-paid user identifier; determining a target payment generation model corresponding to the payment generation relation in at least one payment generation model according to the first payment generation information; and carrying out the payment generation according to the target payment generation model and the first payment generation information. The embodiment of the invention can reduce the processing amount of the call ticket, simplify the transformation amount of a large number of call ticket types, and improve the payment-withholding processing efficiency and the user experience.

Description

Method, device, equipment and storage medium for payment

Technical Field

The present invention relates to the field of communications technologies, and in particular, to a method, an apparatus, a device, and a storage medium for payment by credit.

Background

In the communications industry, past telecommunication services were sold to users as stand-alone products, such as: mobile phone identification, fixed phone identification, broadband, private line, etc., and the services provided by these products are single. With the integration of telecommunication network, internet and cable television network, the mobile value-added service is rapidly developed, the products which are oriented to group and family, are specialized, personalized and diversified are more and more abundant, the association between the products is more and more compact, and the products are gradually developed from single to combination direction. Therefore, in order to meet various requirements of fusion products, the convergence products are more prominently put into the group of families, groups and the like.

At present, the traditional payment scheme mainly comprises a bill payment scheme and a bill payment scheme, but aiming at the bill payment scheme, every new type of bill or charging collection source is required to be modified and modified by a service support system, and the realization process is not flexible. And the bill amount of the bill payment scheme is too large, and the services such as inquiry, account sale, invoice and the like of the bill are difficult to support in real time. In conclusion, the traditional payment-instead scheme has low processing efficiency and poor user experience.

Disclosure of Invention

The embodiment of the invention provides a payment-for-replacement method, a device, equipment and a storage medium, which can reduce the processing amount of a call ticket, simplify the transformation amount of a large number of call ticket types, and improve the payment-for-replacement processing efficiency and the user experience.

In a first aspect, an embodiment of the present invention provides a payment method, where the method includes:

acquiring a user identifier of an order service and a payment-on-behalf relation corresponding to the user identifier;

analyzing first generation payment information in the generation payment relationship, wherein the first generation payment information comprises a user identifier and a to-be-paid user identifier;

determining a target payment generation model corresponding to the payment generation relation in at least one payment generation model according to the first payment generation information;

and carrying out the payment generation according to the target payment generation model and the first payment generation information.

In some implementations of the first aspect, the method further comprises:

acquiring an address code of a payment generation model where a user identifier is located;

the obtaining of the payment generation relation corresponding to the user identifier includes:

and automatically addressing according to the address code, and determining a payment generation relation corresponding to the user identification.

In some implementations of the first aspect, parsing the first payment information in the payment relationship includes:

when the payment relationship is a multi-level payment relationship, analyzing the multi-level payment relationship to a basic payment relationship, wherein the basic payment relationship comprises a user identifier and a to-be-paid user identifier;

and analyzing the second generation payment information in the basic generation payment relationship, and taking the second generation payment information as the first generation payment information.

In some implementations of the first aspect, determining, according to the first payment information, a target payment generation model corresponding to the payment generation relationship in at least one payment generation model includes:

acquiring the bill quantity of the to-be-paid user identification in a specified time period;

and determining a target payment generation model in the at least one payment generation model according to the bill quantity and a preset quantity threshold value.

In some implementations of the first aspect, the first payment information further includes a payment amount.

In some implementations of the first aspect, the target payment model includes any one of a call ticket payment model, a product payment model, a real-time payment model, a consolidated payment model, and a bill payment model.

In some implementations of the first aspect, after the surcharge is made with the first surcharge information according to the target surcharge model, the method further includes:

determining at least one type of bill according to the payment-instead result and at least one type of preset storage format;

acquiring a bill calling request sent by application equipment;

determining a target bill corresponding to the bill calling request in at least one type of bills;

and sending the target bill to the application device for the application device to show the target bill to the user.

In a second aspect, an embodiment of the present invention provides a payment-for-replacement apparatus, including:

the acquisition module is used for acquiring a user identifier of the subscription service and a payment-for-delivery relationship corresponding to the user identifier;

the analysis module is used for analyzing first generation payment information in the generation payment relationship, and the first generation payment information comprises a user identifier and a to-be-paid user identifier;

the determining module is used for determining a target payment generation model corresponding to the payment generation relation in at least one payment generation model according to the first payment generation information;

and the payment generation module is used for performing payment generation according to the target payment generation model and the first payment generation information.

In some implementations of the second aspect, the obtaining module is further configured to obtain an address code of the payment-for-delivery model where the user identifier is located;

wherein, the acquisition module is specifically configured to: and automatically addressing according to the address code, and determining a payment generation relation corresponding to the user identification.

In some implementations of the second aspect, the parsing module includes: the first analysis unit is used for analyzing the multi-level generation payment relation to a basic generation payment relation when the generation payment relation is the multi-level generation payment relation, and the basic generation payment relation comprises a user identifier and a to-be-paid user identifier;

and the second analysis unit is used for analyzing the second generation payment information in the basic generation payment relationship and taking the second generation payment information as the first generation payment information.

In some implementations of the second aspect, the determining module includes: the acquiring unit is used for acquiring the bill quantity of the to-be-paid user identification in a specified time period;

and the determining unit is used for determining a target payment generation model in the at least one payment generation model according to the bill quantity and a preset quantity threshold value.

In some implementations of the second aspect, the first payment information further includes a payment amount.

In some implementations of the second aspect, the target payment model includes any one of a call ticket payment model, a product payment model, a real-time payment model, a consolidated payment model and a bill payment model.

In some realizations of the second aspect, the determining module is further configured to determine at least one type of bill according to the payment generation result and at least one type of preset storage format after the payment generation is performed according to the target payment generation model and the first payment generation information;

the obtaining module is also used for obtaining a bill calling request sent by the application equipment;

the determining module is further used for determining a target bill corresponding to the bill calling request in at least one type of bills;

the device also includes: and the sending module is used for sending the target bill to the application equipment so that the application equipment can show the target bill to the user.

In a third aspect, an embodiment of the present invention provides a payment-for-replacement device, where the device includes: a processor and a memory storing computer program instructions;

the computer program instructions, when executed by a processor, implement the method of second aspect as set forth in the first aspect or any of its realizations.

In a fourth aspect, an embodiment of the present invention provides a computer-readable storage medium, on which computer program instructions are stored, where the computer program instructions, when executed by a processor, implement the payment method in the first aspect or any of the implementable manners of the first aspect.

The invention provides a method, a device, equipment and a storage medium for payment substitution, which are used for obtaining a user identifier of an ordered service and a payment substitution relationship corresponding to the user identifier, namely obtaining the to-be-processed payment substitution relationship, analyzing first payment information in the payment substitution relationship, determining a target payment substitution model corresponding to the payment substitution relationship in at least one payment substitution model according to the first payment information, determining a payment substitution model suitable for processing the payment substitution relationship, then performing payment substitution according to the target payment model and the first payment information, flexibly selecting the payment substitution model for processing the payment substitution relationship, and processing the payment substitution information of the payment substitution relationship based on the payment substitution model, so that the processing amount of a call ticket can be reduced, the implementation cost and the cost are reduced, the reconstruction amount of a large number of call ticket types is simplified, and the payment substitution processing efficiency and the user experience are improved.

Drawings

In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings required to be used in the embodiments of the present invention will be briefly described below, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.

FIG. 1 is a schematic diagram of a payment model provided in the related art;

FIG. 2 is a schematic diagram of a payment model provided by an embodiment of the present invention;

FIG. 3 is a schematic diagram of a payment engine according to an embodiment of the present invention;

fig. 4 is a flowchart illustrating a payment method according to an embodiment of the present invention;

FIG. 5 is a schematic diagram of a payment agency relationship according to an embodiment of the present invention;

FIG. 6 is a schematic diagram of another payment agency relationship provided by the embodiment of the present invention;

FIG. 7 is a schematic diagram of a bill provided by an embodiment of the present invention;

FIG. 8 is a schematic diagram of a payment-by-agency acquisition according to an embodiment of the present invention;

FIG. 9 is a schematic diagram of a bill call provided by an embodiment of the present invention;

fig. 10 is a schematic structural diagram of a payment device according to an embodiment of the present invention;

fig. 11 is a schematic hardware structure diagram of a payment device according to an embodiment of the present invention.

Detailed Description

Features and exemplary embodiments of various aspects of the present invention will be described in detail below, and in order to make objects, technical solutions and advantages of the present invention more apparent, the present invention will be further described in detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not to be construed as limiting the invention. It will be apparent to one skilled in the art that the present invention may be practiced without some of these specific details. The following description of the embodiments is merely intended to provide a better understanding of the present invention by illustrating examples of the present invention.

It is noted that, herein, relational terms such as first and second, and the like may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising … …" does not exclude the presence of other identical elements in a process, method, article, or apparatus that comprises the element.

Based on the background technology, the traditional payment scheme mainly comprises a bill payment scheme and a bill payment scheme, wherein the bill payment scheme is realized based on a bill payment model, and the bill payment scheme is realized based on the bill payment model.

As shown in fig. 1, the service support system may be configured to perform operation links such as charging collection, list change preprocessing, charging pricing, accounting calculation, and the like, and obtain results such as detailed lists and bills. The call ticket paying model is a paying model acting on a call ticket preprocessing link, and directly replaces a user identifier (such as a mobile phone number) of an ordered service with a user identifier to be paid according to a paying relationship to complete the conversion of the paying relationship. The method does not involve complex processing of business support system logic, can complete the replacement payment through the conversion operation of the identification, has no influence on the subsequent processes of pricing, charge-out and the like, and does not need to make any adjustment.

The bill paying model is used as a paying model for the paying-out calculation link, the cost of the user identification is directly recorded on the account of the user identification to be paid according to the paying-in relation of the user, the bill of the user identification to be paid is formed, and the paying-in relation conversion is completed when the bill is generated. The bill still belongs to the user identification, only the bill is subjected to the payment instead by the to-be-paid user identification, and the user identification can inquire the payment condition of the to-be-paid user identification and can participate in the discount of the to-be-paid user identification. The bill payment model acts on the final link of payment, has high flexibility and is suitable for the requirements of various service scenes.

However, the ticket payment model is a processing method for the record of the dialog ticket, and is not flexible as a whole. The reason is that the call ticket payment model needs to convert all call tickets, and the current charging call ticket types are about thousands, and the collection sources of the call tickets are very many, such as switches, gateway offices, group charging platforms, third party platforms and the like. If each type of call ticket is modified, the modification cost of the service support system is very high, and each newly added type of call ticket or charging collection source needs to be modified and modified, so that the implementation process is inflexible, and the configurability is not strong, therefore, the call ticket payment model is only suitable for services with relatively single payment type, such as flow call ticket payment and the like.

The bill payment model realizes payment through the account subjects, and the configuration is complex. For example, to implement the generation payment of the product business, the accounting items related to the product business must be configured and managed in the generation payment relationship, once the tariff model of the product business is adjusted, the generation payment relationship needs to be refreshed and adjusted again, so the configuration management is very complex and inconvenient. And because the bill payment-for-delivery model needs to record the field information such as the user identification to be paid and the user identification on the bill at the same time, a large amount of bills are easy to generate, the services such as the inquiry, the account cancellation and the invoice of the bill are difficult to support in real time, and the payment-for-delivery processing efficiency is low.

In order to solve the problem of the prior art, embodiments of the present invention provide a payment-for-replacement method, apparatus, device, and storage medium. The method comprises the steps of obtaining a user identifier of an ordered service and a payment substitution relationship corresponding to the user identifier, namely obtaining a payment substitution relationship to be processed, analyzing first payment information in the payment substitution relationship, determining a target payment substitution model corresponding to the payment substitution relationship in at least one payment substitution model according to the first payment information, determining a payment substitution model suitable for processing the payment substitution relationship, then performing payment substitution according to the target payment substitution model and the first payment information, flexibly selecting the payment substitution model for processing the payment substitution relationship, and processing the payment substitution model of the payment substitution relationship based on the payment substitution model, so that the processing amount of a call bill can be reduced, the implementation cost and the cost are reduced, the transformation amount of a large number of call bill types is simplified, and the payment substitution processing efficiency and the user experience are improved.

Since the payment-for-replacement method provided by the embodiment of the present invention involves at least one payment-for-replacement model, the following first introduces the payment-for-replacement model involved in the embodiment of the present invention.

In some embodiments, the payment generation model may include at least one of a call ticket payment generation model, a product payment generation model, a real-time payment generation model, a consolidated payment generation model, a bill payment generation model.

The product payment model is a payment model applied to product service tariff subscription, and can be used for the payment of video traffic packet service, for example. As an example, the user may set the user number for paying for the user identifier and information such as a payment amount used for generating a payment relationship when ordering the product service. The product payment-for-replacement model can record product ordering information, namely ordering relation and information set by a user, and generates a payment-for-replacement relation corresponding to the user identification of the ordering service based on the information set by the user. When the fixed fee calculation is carried out, whether the user identification has a payment substitution relationship is checked, if the payment substitution relationship exists, the payment substitution relationship is directly associated with the ordering relationship, and a fixed fee file of the payment substitution user identification is generated and used for later-stage payment calculation after the ticket standardization. The fixed fee file is a new type of fixed fee file and can be distinguished from the call ticket type.

The real-time payment model is a payment model for subscribing real-time services. As an example, the user may set the information such as the identifier of the charging-assistant user and the charging-assistant amount when subscribing the own value-added service. The real-time payment-for-delivery model can record product ordering information, namely ordering relation and information set by a user, and generates a payment-for-delivery relation corresponding to the user identification based on the information set by the user. And performing real-time data scanning on the subscription service according to the payment-by-agent relation and the subscription relation, and generating a payment list file in real time for later accounting calculation after ticket standardization.

The combined payment model is a payment model applied to the standardization of the call ticket. As one example, the consolidated proxy payment model may process proxy payments for any business, forming a proxy payment record according to a proxy payment relationship. When the call ticket is standardized, the user identification of the payment record is directly replaced by the user identification of the payment fee for later accounting calculation.

As an example, as shown in fig. 2, the payment model may include a ticket payment model, a product payment model, a real-time payment model, a consolidated payment model, a bill payment model. The bill payment model, the product payment model, the real-time payment model, the combined payment model and the bill payment model can be realized by a server or a server cluster.

The bill payment model, the product payment model, the real-time payment model, the combined account payment model and the bill payment model can be fused with each other, and the defects and shortcomings of the models are mutually compensated. Specifically, the call ticket payment model, the product payment model and the real-time payment model can be used as a first-level payment model, belong to the payment models of the service support system on the call ticket layer and the service layer, and output information is temporary transition data of payment and provides basic data for a final bill. The reconciliation model can be used as a second-level model, which is a model after the first-level model, the input information is all various types of call ticket cost data, and the output information is standardized expenditure calculation use data. The bill paying-instead model can be used as a third-layer paying-instead model to generate a bill paying-instead of the final result.

It should be noted that the payment substitution method provided by the embodiment of the present invention can be applied to a payment substitution device, and the payment substitution device can include a payment substitution engine, as shown in fig. 3, the payment substitution engine can establish a communication connection with a ticket payment substitution model, a product payment substitution model, a real-time payment substitution model, a reconciliation payment substitution model, and a bill payment substitution model.

The payment assistant engine may be configured to obtain a payment assistant relationship corresponding to the user identifier, determine, according to the payment assistant relationship, a target payment assistant model suitable for processing the payment assistant relationship in at least one payment assistant model, and perform payment assistant based on the payment assistant model and payment assistant information in the payment assistant relationship. Alternatively, the escrow engine may be implemented by a server or a cluster of servers.

The method of the present invention for payment will be described below. Wherein, the payment-for-generation method can be applied to the payment-for-generation engine shown in fig. 3.

Fig. 4 is a flowchart illustrating a payment method according to an embodiment of the present invention, as shown in fig. 4, the payment method may include S410 to S440.

S410, acquiring a user identifier of the subscribed service and a payment-for-delivery relationship corresponding to the user identifier.

In some embodiments, the user identifier may be obtained from a payment-on-behalf model, wherein the payment-on-behalf model may be a call ticket payment-on-behalf model, a product payment-on-behalf model, a real-time payment-on-behalf model, a consolidated payment-on-behalf model, or a bill payment-on-behalf model. And the address code of the payment generation model can be obtained, and the payment generation relation corresponding to the user identification is determined according to the automatic addressing of the address code.

S420, analyzing the first generation payment information in the generation payment relationship.

The first payment information may include a user identifier and a to-be-paid user identifier corresponding to the user identifier. Optionally, at least one of a payment amount, a payment subject, and business information may be included.

In some embodiments, when the proxy payment relationship is the basic proxy payment relationship, the second-generation payment information in the basic proxy payment relationship can be directly analyzed as the first-generation payment information. The basic payment relationship is a payment relationship including a user identifier and a to-be-paid user identifier, that is, a payment relationship without an intermediate-level payment relationship.

Alternatively, when the payment relationship is a multi-level payment relationship, the multi-level payment relationship may be resolved into a basic payment relationship, and second-generation payment information in the basic payment relationship may be resolved, and the second-generation payment information may be taken as the first-generation payment information. The complex multi-level payment generation relation is analyzed to the basic payment generation relation, and the basic payment generation relation is used for subsequent payment generation processing, so that the payment generation efficiency can be improved.

As an example, as shown in fig. 5, user a is surrendered by user B in a first level surrendering relationship, user B is surrendered by user C in a second level surrendering relationship, and user C is surrendered by user D in a third level surrendering relationship. After parsing, a basic payment agency relationship can be obtained, as shown in fig. 6, user A, B, C is paid by user D.

S430, according to the first generation payment information, a target generation payment model corresponding to the generation payment relationship is determined in at least one generation payment model.

The target payment model can comprise any one of a call bill payment model, a product payment model, a real-time payment model, a consolidated payment model and a bill payment model.

In some embodiments, a billing amount of the to-be-paid user identifier in a specified time period may be obtained, and a target payment generation model may be determined in the at least one payment generation model according to the billing amount and a preset amount threshold. The preset number threshold may include a plurality of thresholds, and may be flexibly adjusted according to an actual situation, which is not limited herein.

And S440, carrying out the payment generation according to the target payment generation model and the first payment generation information.

In some embodiments, the first surcharge information may be sent to the target surcharge model, and the target surcharge model performs related surcharge processing according to the first surcharge information.

In the embodiment of the invention, the user identification of the subscription service and the payment substitution relation corresponding to the user identification are obtained, namely the payment substitution relation to be processed is obtained, then the first payment information in the payment substitution relation is analyzed, the target payment substitution model corresponding to the payment substitution relation is determined in at least one payment substitution model according to the first payment information, the payment substitution model suitable for processing the payment substitution relation is determined, then the payment substitution is carried out according to the target payment substitution model and the first payment information, the payment substitution model for processing the payment substitution relation can be flexibly selected, and the payment substitution information of the payment substitution relation is processed based on the payment substitution model, so that the processing amount of the call ticket can be reduced, the implementation cost and the cost are reduced, the transformation amount of a large number of call ticket types is simplified, and the payment substitution processing efficiency and the user experience are improved.

Since the bill for payment is generally subjected to business operations such as payment, expense account cancellation, inquiry, balance inquiry, bill audit, bill access, extraction and the like, the business operations are very frequent for bill calling and access, and in the case of various business operations, for example, a large amount of bill for payment, the response speed becomes very slow, which affects the business perception and service capability.

Therefore, in some embodiments, after the payment agency is made with the first payment information according to the target payment agency model, the payment agency method may further include the steps of:

and determining at least one type of bill according to the payment-instead result and at least one type of preset storage format. Specifically, the accounting calculation may be performed according to the generation payment result, and the accounting calculation result is separated by using at least one type of preset storage format and a data redundancy mode, so as to obtain at least one type of bill.

The method comprises the steps of obtaining a bill calling request sent by application equipment, wherein the application equipment can be a mobile phone, a tablet computer, a notebook computer and the like.

And determining a target bill corresponding to the bill calling request in at least one type of bills, and sending the target bill to the application device for the application device to display the target bill to the user. The multi-type bills are obtained through separation, so that the storage fields are reduced, the number of the bills is reduced, and the number of the bills read and processed during business operations such as inquiry, signal control and the like is greatly reduced. Meanwhile, the bill is called through the bill calling request, so that the complexity of bill calling execution can be simplified, and the bill calling efficiency is improved.

As an example, as shown in fig. 7, by performing the charge calculation on the result of the generation payment, the three types of bills, i.e., the charge bill, the cancellation bill and the generation bill, are obtained separately according to the three types of storage formats.

The method is characterized in that the bill amount of the bill for payment is the largest, data storage is carried out according to the structures of detailed fields such as user identification, user identification for payment, bill state and the like, and the bill belongs to a detailed bill and is used for business operations such as income calculation, audit, extraction, transfer and storage.

The bill amount of the account cancellation bill is small, and data storage is carried out by using the structures of detail fields such as user identification, account items and expenses and the like, so that the account cancellation bill is used for carrying out business operations such as payment, account cancellation, balance calculation, credit control and the like.

The bill amount of the bill paid by the agent is minimum, and the data storage is mainly carried out by the structures of the user identification, the account item and the account book and is used for business operations such as inquiry and the like.

The following describes a payment replacement method provided by the embodiment of the present invention with reference to a specific embodiment, which specifically includes the following steps:

as shown in fig. 8, the payment assistant engine establishes communication connection with a plurality of payment assistant models, and acquires information such as address codes, user identifiers, and payment assistant fees from the payment assistant models. And automatically addressing according to the address code to find the payment-on-behalf relation corresponding to the user identifier.

Analyzing the payment-by-generation relation to obtain first payment information comprising a user identifier, a to-be-paid user identifier, a payment-by-generation amount, payment-by-generation cost, a cost subject and service information. And obtaining the bill quantity of the user identification to be paid in a specified time period, and determining a target payment generation model for processing the payment generation relation according to the bill quantity and a preset quantity threshold value.

And feeding back the first generation payment information to the target generation payment model, carrying out related generation payment processing on the target generation payment model according to the first generation payment information, feeding back a generation payment result to the generation payment engine after the processing is finished, and adjusting the generation payment relation of the generation payment model by the generation payment engine according to the generation payment result for subsequent use.

Optionally, the payment engine may further provide a maintenance configuration capability, may implement management of the payment relationship, may implement adjustment of priority of the payment relationship, implement personalized customization, and implement suspension and start capabilities of the payment.

In addition, after the generation payment result is obtained, the generation payment result is subjected to charge calculation, three types of bills of a charge bill, a charge cancellation bill and a generation payment bill are separated according to three types of storage formats, and each type of bill is managed by a corresponding bill cluster.

As shown in fig. 9, another part of the proxy payment apparatus (the bill scheduling engine) may periodically perform detection of the host status of each bill cluster (the billed bill cluster, the reimbursed bill cluster, and the proxy payment bill cluster), be responsible for collecting information such as the active status of each bill cluster host, ensure the availability of the host, and record the detection result, such as the information such as the bill cluster, the bill type, the host Identity (ID), the availability, the active status, the connection number, and the like, in the host registry.

And recording the bill cluster information, such as application device ID, bill cluster, account hash and the like, retrieved by each application device in the application registry.

And when the application equipment is called, the information such as the ID, the account number, the operation type, the operation statement and the like of the module application equipment is transmitted to a bill scheduling engine.

The bill scheduling engine determines the called cluster according to the transmitted application device ID, then allocates the called host according to the host connection number, the activity state and other information in the host login host registry, and executes the application operation statement. And the bill scheduling engine feeds back the result of the statement execution to the corresponding application equipment.

Optionally, the bill scheduling engine also manages data consistency audit of the three bill clusters, compares the paid bills and the reimbursed bills according to the billed bills at regular time, and automatically adjusts the data once inconsistency is found, so as to ensure consistency of the three bills.

Based on the payment method provided by the embodiment of the present invention, an embodiment of the present invention further provides a payment device, as shown in fig. 10, the payment device 1000 may include: the system comprises an acquisition module 1010, a parsing module 1020, a determination module 1030 and a payment-for-delivery module 1040.

The obtaining module 1010 is configured to obtain a user identifier of the subscription service and a payment-for-delivery relationship corresponding to the user identifier.

The parsing module 1020 is configured to parse first generation payment information in the generation payment relationship, where the first generation payment information includes a user identifier and a to-be-paid user identifier.

The determining module 1030 is configured to determine, according to the first generation payment information, a target generation payment model corresponding to the generation payment relationship in the at least one generation payment model.

And the payment generation module 1040 is used for performing payment generation according to the target payment generation model and the first payment generation information.

In some embodiments, the obtaining module 1010 is further configured to obtain an address code of the surcharge model where the user identifier is located.

The obtaining module 1010 is specifically configured to: and automatically addressing according to the address code, and determining a payment generation relation corresponding to the user identification.

In some embodiments, parsing module 1020 includes: the first analysis unit is used for analyzing the multi-level generation payment relation to a basic generation payment relation when the generation payment relation is the multi-level generation payment relation, and the basic generation payment relation comprises a user identification and a to-be-paid user identification.

And the second analysis unit is used for analyzing the second generation payment information in the basic generation payment relationship and taking the second generation payment information as the first generation payment information.

In some embodiments, the determining module 1030 comprises: and the obtaining unit is used for obtaining the bill quantity of the to-be-paid user identification in the specified time period.

And the determining unit is used for determining a target payment generation model in the at least one payment generation model according to the bill quantity and a preset quantity threshold value.

In some embodiments, the first payment information further includes a payment amount.

In some embodiments, the target payment model comprises any one of a call ticket payment model, a product payment model, a real-time payment model, a consolidated payment model and a bill payment model.

In some embodiments, the determining module 1030 is further configured to determine at least one type of bill according to the generation result and at least one type of preset storage format after the generation payment is performed according to the target generation payment model and the first generation payment information.

The obtaining module 1010 is further configured to obtain a bill invoking request sent by the application device.

The determining module 1030 is further configured to determine a target bill corresponding to the bill invoking request in at least one type of bills.

The payment device 1000 further comprises: and the sending module is used for sending the target bill to the application equipment so that the application equipment can show the target bill to the user.

It can be understood that each module/unit in the payment assistant apparatus 1000 shown in fig. 10 has a function of implementing each step in fig. 4, and can achieve the corresponding technical effect, and for brevity, no further description is provided herein.

Fig. 11 is a schematic hardware structure diagram of a payment device according to an embodiment of the present invention.

As shown in fig. 11, the payment device 1100 in the present embodiment includes an input device 1101, an input interface 1102, a central processing unit 1103, a memory 1104, an output interface 1105, and an output device 1106. The input interface 1102, the central processor 1103, the memory 1104, and the output interface 1105 are connected to each other via a bus 1110, and the input device 1101 and the output device 1106 are connected to the bus 1110 via the input interface 1102 and the output interface 1105, respectively, and further connected to other components of the payment device 1100.

Specifically, the input device 1101 receives input information from the outside and transmits the input information to the central processor 1103 through the input interface 1102; the central processor 1103 processes the input information based on computer-executable instructions stored in the memory 1104 to generate output information, temporarily or permanently stores the output information in the memory 1104, and then transmits the output information to the output device 1106 through the output interface 1105; the output device 1106 outputs the output information to the outside of the proxy payment device 1100 for use by the user.

In some embodiments, the escrow device 1100 shown in fig. 11 includes: a memory 1104 for storing programs; the processor 1103 is configured to execute the program stored in the memory to execute the payment method provided in the embodiment shown in fig. 4.

An embodiment of the present invention further provides a computer-readable storage medium, where the computer-readable storage medium has computer program instructions stored thereon; the computer program instructions, when executed by a processor, implement the surcharge method provided by the embodiment shown in fig. 4.

It should be clear that each embodiment in this specification is described in a progressive manner, and the same or similar parts among the embodiments may be referred to each other, and for brevity, the description is omitted. The invention is not limited to the specific configurations and processes described above and shown in the figures. A detailed description of known methods is omitted herein for the sake of brevity. In the above embodiments, several specific steps are described and shown as examples. However, the method processes of the present invention are not limited to the specific steps described and illustrated, and those skilled in the art can make various changes, modifications and additions or change the order between the steps after comprehending the spirit of the present invention.

The functional blocks shown in the above-described structural block diagrams may be implemented as hardware, software, firmware, or a combination thereof. When implemented in hardware, it may be, for example, an electronic Circuit, an Application Specific Integrated Circuit (ASIC), suitable firmware, plug-in, function card, or the like. When implemented in software, the elements of the invention are the programs or code segments used to perform the required tasks. The program or code segments may be stored in a machine-readable medium or transmitted by a data signal carried in a carrier wave over a transmission medium or a communication link. A "machine-readable medium" may include any medium that can store or transfer information. Examples of machine-readable media include electronic circuits, semiconductor Memory devices, Read-Only memories (ROMs), flash memories, erasable ROMs (eroms), floppy disks, CD-ROMs, optical disks, hard disks, fiber optic media, Radio Frequency (RF) links, and so forth. The code segments may be downloaded via computer networks such as the internet, intranet, etc.

It should also be noted that the exemplary embodiments mentioned in this patent describe some methods or systems based on a series of steps or devices. However, the present invention is not limited to the order of the above-described steps, that is, the steps may be performed in the order mentioned in the embodiments, may be performed in an order different from the order in the embodiments, or may be performed simultaneously.

Aspects of the present disclosure are described above with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the disclosure. It will be understood that each block of the flowchart illustrations and/or block diagrams, and combinations of blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, enable the implementation of the functions/acts specified in the flowchart and/or block diagram block or blocks. Such a processor may be, but is not limited to, a general purpose processor, a special purpose processor, an application specific processor, or a field programmable logic circuit. It will also be understood that each block of the block diagrams and/or flowchart illustration, and combinations of blocks in the block diagrams and/or flowchart illustration, can be implemented by special purpose hardware for performing the specified functions or acts, or combinations of special purpose hardware and computer instructions.

As described above, only the specific embodiments of the present invention are provided, and it can be clearly understood by those skilled in the art that, for convenience and brevity of description, the specific working processes of the system, the module and the unit described above may refer to the corresponding processes in the foregoing method embodiments, and are not described herein again. It should be understood that the scope of the present invention is not limited thereto, and any person skilled in the art can easily conceive various equivalent modifications or substitutions within the technical scope of the present invention, and these modifications or substitutions should be covered within the scope of the present invention.

Claims (10)

1. A method of payment by agency, the method comprising:

acquiring a user identifier of an order service and a payment-for-delivery relation corresponding to the user identifier;

analyzing first generation payment information in the generation payment relationship, wherein the first generation payment information comprises the user identification and the identification of the user to be paid;

determining a target payment generation model corresponding to the payment generation relation in at least one payment generation model according to the first payment generation information;

and carrying out payment generation according to the target payment generation model and the first payment generation information.

2. The method of claim 1, further comprising:

acquiring an address code of a payment generation model where the user identification is located;

acquiring a payment generation relation corresponding to the user identifier, wherein the acquiring of the payment generation relation corresponding to the user identifier comprises the following steps:

and automatically addressing according to the address code, and determining a payment generation relation corresponding to the user identification.

3. The method of claim 1, wherein the parsing the first payment information in the payment relationship comprises:

when the payment generation relation is a multi-level payment generation relation, analyzing the multi-level payment generation relation to a basic payment generation relation, wherein the basic payment generation relation comprises the user identification and the user identification to be paid;

and analyzing second generation payment information in the basic generation payment relationship, and taking the second generation payment information as the first generation payment information.

4. The method according to claim 1, wherein the determining, according to the first payment information, a target payment generation model corresponding to the payment generation relationship among the at least one payment generation model comprises:

acquiring the bill quantity of the to-be-paid user identification in a specified time period;

and determining the target payment generation model in the at least one payment generation model according to the bill quantity and a preset quantity threshold value.

5. The method of claim 4, wherein the first payment information further includes a payment amount.

6. The method of claim 1, wherein the target payment model comprises any one of a call ticket payment model, a product payment model, a real-time payment model, a consolidated payment model and a bill payment model.

7. The method according to any one of claims 1-6, wherein after the surcharge according to the target surcharge model and the first surcharge information, the method further comprises:

determining at least one type of bill according to the payment-instead result and at least one type of preset storage format;

acquiring a bill calling request sent by application equipment;

determining a target bill corresponding to the bill calling request in the at least one type of bills;

and sending the target bill to the application device for the application device to display the target bill to a user.

8. A payment-replacement apparatus, the apparatus comprising:

the system comprises an acquisition module, a processing module and a payment generation module, wherein the acquisition module is used for acquiring a user identifier of an order service and a payment generation relation corresponding to the user identifier;

the analysis module is used for analyzing first generation payment information in the generation payment relationship, wherein the first generation payment information comprises the user identification and the to-be-paid user identification;

the determining module is used for determining a target payment generation model corresponding to the payment generation relation in at least one payment generation model according to the first payment generation information;

and the payment generation module is used for carrying out payment generation according to the target payment generation model and the first payment generation information.

9. A payment-as-needed apparatus, the apparatus comprising: a processor and a memory storing computer program instructions;

the processor, when executing the computer program instructions, implements the surcharge method of any of claims 1-7.

10. A computer-readable storage medium having computer program instructions stored thereon, which when executed by a processor implement the surcharge method of any of claims 1-7.

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